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
Unfavorable gap of $3.9M · efficiency ratio beats 93% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.70% | 1.03% | 1.34% | Beats 90% | 15 / 151 | | |
| Return on Equity | 13.01% | 6.74% | 9.34% | 12.94% | Beats 76% | 36 / 151 | | |
| Net Interest Margin | 4.25% | 3.02% | 3.43% | 3.83% | Beats 89% | 16 / 151 | | |
| Efficiency Ratio | 48.48% | 54.64% | 64.89% | 72.50% | Beats 93% | 12 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.20% | 0.66% | 1.77% | Beats 81% | 29 / 149 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 50% | 75 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 20.76% | 11.83% | 14.17% | 18.66% | Beats 82% | 27 / 151 | | |
| Total Risk-Based Capital Ratio | 21.60% | 12.22% | 14.54% | 19.92% | Beats 82% | 27 / 151 | | |
| Equity / Assets | 12.67% | 9.10% | 10.65% | 12.40% | Beats 78% | 33 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.02% | 54.39% | 71.02% | 80.75% | 50th pctl | 75 / 149 | | |
| Loans / Assets | 61.31% | 45.91% | 61.31% | 68.01% | 50th pctl | 76 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |