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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 $9.3MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $127.1M24%Noninterest $40.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.30%2.20%1.82%1.61%1.67%-63 bps
Return on Equity19.97%18.56%15.10%12.70%13.20%-678 bps
Net Interest Margin5.50%4.28%4.32%4.10%4.25%-125 bps
Efficiency Ratio43.07%42.81%50.54%49.27%48.48%+541 bps
Non-Interest Burden2.13%1.67%2.02%1.90%1.97%-15 bps
Growth
Asset Growth (YoY)46.24%42.92%43.31%43.11%8.15%-3,809 bps
Loan Growth (YoY)30.77%28.84%28.33%20.76%0.40%-3,037 bps
Deposit Growth (YoY)45.21%40.32%40.33%40.55%8.23%-3,698 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.12%0.03%0.10%0.14%+2 bps
Net Charge-Offs / Loans-0.01%0.00%0.01%-0.01%0.02%+3 bps
Allowance / Loans0.83%0.84%0.83%0.84%0.80%-3 bps
Allowance Coverage of NPLs7.4x7.1x28.4x8.6x5.9x-1.5x
Capital
Tier 1 Leverage Ratio15.33%12.20%11.83%12.08%12.21%-312 bps
Total Risk-Based Capital19.40%20.81%20.55%21.58%21.60%+220 bps
Equity / Assets12.64%12.65%12.79%12.59%12.67%+3 bps
Liquidity & Funding
Loans / Deposits76.56%72.32%72.57%69.29%71.02%-554 bps
Liquid Assets / Assets7.92%12.84%9.14%11.13%8.02%+10 bps
CRE / Total Capitaln/a55.40%57.34%57.35%n/an/a