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Liberty Bank

Liberty, IL · Cert 11719 · Liberty Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank

Liberty, IL · Cert 11719 · Liberty Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$193.9MAssets
$118.9MLoans
$167.4MDeposits
$24.6MEquity
Loan mix
83%RE $81.5M8%C&I $7.7M9%Consumer $9.3MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $127.1M24%Noninterest $40.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.67%, down 63 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.14% of loans (+2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.21%, down 312 bps from a year ago.
  • Funding: loans stand at 71.02% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.67%-63 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-125 bps YoY

Efficiency Ratio (YTD, annualized)

48.48%+541 bps YoY

Tier 1 Leverage Ratio

12.21%-312 bps YoY

NIM

4.95%Q2 ’246.98%Q2 ’255.41%Q2 ’26+31%-23%

Non-interest income vs. expense

2.20%Q2 ’242.49%Q2 ’252.11%Q2 ’26+16%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.49%1.71%2.30%2.20%1.82%1.61%1.67%-63 bps
Return on Equity15.27%14.00%15.91%19.97%18.56%15.10%12.70%13.20%-678 bps
Net Interest Margin4.16%3.90%4.07%5.50%4.28%4.32%4.10%4.25%-125 bps
Efficiency Ratio50.42%53.61%45.72%43.07%42.81%50.54%49.27%48.48%+541 bps
Non-Interest Burden1.91%1.93%1.73%2.13%1.67%2.02%1.90%1.97%-15 bps
Growth
Asset Growth (YoY)1.83%3.00%7.78%46.24%42.92%43.31%43.11%8.15%-3,809 bps
Loan Growth (YoY)-0.17%-1.55%4.41%30.77%28.84%28.33%20.76%0.40%-3,037 bps
Deposit Growth (YoY)2.17%2.14%7.49%45.21%40.32%40.33%40.55%8.23%-3,698 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.16%0.03%0.11%0.12%0.03%0.10%0.14%+2 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%0.00%0.01%-0.01%0.02%+3 bps
Allowance / Loans0.74%0.75%0.73%0.83%0.84%0.83%0.84%0.80%-3 bps
Allowance Coverage of NPLs11.4x4.7x21.1x7.4x7.1x28.4x8.6x5.9x-1.5x
Capital
Tier 1 Leverage Ratio12.11%11.63%11.69%15.33%12.20%11.83%12.08%12.21%-312 bps
Total Risk-Based Capital18.64%18.82%18.76%19.40%20.81%20.55%21.58%21.60%+220 bps
Equity / Assets10.79%10.72%10.79%12.64%12.65%12.79%12.59%12.67%+3 bps
Liquidity & Funding
Loans / Deposits78.77%79.36%80.65%76.56%72.32%72.57%69.29%71.02%-554 bps
Liquid Assets / Assets6.50%5.32%4.96%7.92%12.84%9.14%11.13%8.02%+10 bps
CRE / Total Capitaln/an/an/an/a55.40%57.34%57.35%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank

Liberty, IL · Cert 11719 · Peer group: banks under $1B in assets in IL (n=149-151) · Liberty Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$193.9MAssets
$118.9MLoans
$167.4MDeposits
$24.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets in IL (rank 12 of 151).
  • Widest gap: net charge-offs / loans trails 50% of banks under $1B in assets in IL (rank 75 of 149).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.65%

Rank 15 of 151

Net Interest Margin

4.25%

Rank 16 of 151

Efficiency Ratio

48.48%

Rank 12 of 151

Equity / Assets

12.67%

Rank 33 of 151

Non-interest income vs. expense

$0.3M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 93% of banks under $1B in assets in IL
Bank 48.48%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.65%0.70%1.03%1.34%Beats 90%15 / 151
Return on Equity13.01%6.74%9.34%12.94%Beats 76%36 / 151
Net Interest Margin4.25%3.02%3.43%3.83%Beats 89%16 / 151
Efficiency Ratio48.48%54.64%64.89%72.50%Beats 93%12 / 151
Asset Quality
Nonperforming Loans / Loans0.14%0.20%0.66%1.77%Beats 81%29 / 149
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 50%75 / 149
Capital
Tier 1 Capital Ratio20.76%11.83%14.17%18.66%Beats 82%27 / 151
Total Risk-Based Capital Ratio21.60%12.22%14.54%19.92%Beats 82%27 / 151
Equity / Assets12.67%9.10%10.65%12.40%Beats 78%33 / 151
Liquidity & Funding
Loans / Deposits71.02%54.39%71.02%80.75%50th pctl75 / 149
Loans / Assets61.31%45.91%61.31%68.01%50th pctl76 / 151
Brokered Deposits / Depositsn/aNot reported for this institution