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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

4.98%Q2 ’249.00%Q2 ’255.64%Q2 ’26+70%-37%

Non-interest income vs. expense

2.31%Q2 ’243.13%Q2 ’252.15%Q2 ’26+38%-21%

Executive Summary

  • Earnings: ROA of 1.73%, down 117 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.14% of loans (+2 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

1.73%-117 bps YoY

Net Interest Margin (quarter, annualized)

4.47%-264 bps YoY

Efficiency Ratio (quarter, annualized)

47.76%+611 bps YoY

Tier 1 Leverage Ratio

12.21%-312 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.90%1.97%0.80%1.61%1.73%-117 bps
Return on Equity24.45%15.58%6.30%12.70%13.69%-1,076 bps
Net Interest Margin7.11%4.39%4.88%4.10%4.47%-264 bps
Efficiency Ratio41.64%42.29%69.82%49.27%47.76%+611 bps
Non-Interest Burden2.63%1.72%3.26%1.90%2.08%-55 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%0.02%0.04%-0.01%0.05%+6 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