Liberty, IL · Cert 11719 · Liberty Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.09% | 1.71% | 2.90% | 1.97% | 0.80% | 1.61% | 1.73% | -117 bps | |
| Return on Equity | 13.37% | 10.15% | 15.91% | 24.45% | 15.58% | 6.30% | 12.70% | 13.69% | -1,076 bps | |
| Net Interest Margin | 4.13% | 3.73% | 4.07% | 7.11% | 4.39% | 4.88% | 4.10% | 4.47% | -264 bps | |
| Efficiency Ratio | 54.82% | 63.86% | 45.72% | 41.64% | 42.29% | 69.82% | 49.27% | 47.76% | +611 bps | |
| Non-Interest Burden | 2.08% | 2.28% | 1.73% | 2.63% | 1.72% | 3.26% | 1.90% | 2.08% | -55 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 / Loans | 0.07% | 0.16% | 0.03% | 0.11% | 0.12% | 0.03% | 0.10% | 0.14% | +2 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.01% | -0.01% | 0.02% | 0.04% | -0.01% | 0.05% | +6 bps | |
| Allowance / Loans | 0.74% | 0.75% | 0.73% | 0.83% | 0.84% | 0.83% | 0.84% | 0.80% | -3 bps | |
| Allowance Coverage of NPLs | 11.4x | 4.7x | 21.1x | 7.4x | 7.1x | 28.4x | 8.6x | 5.9x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.11% | 11.63% | 11.69% | 15.33% | 12.20% | 11.83% | 12.08% | 12.21% | -312 bps | |
| Total Risk-Based Capital | 18.64% | 18.82% | 18.76% | 19.40% | 20.81% | 20.55% | 21.58% | 21.60% | +220 bps | |
| Equity / Assets | 10.79% | 10.72% | 10.79% | 12.64% | 12.65% | 12.79% | 12.59% | 12.67% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.77% | 79.36% | 80.65% | 76.56% | 72.32% | 72.57% | 69.29% | 71.02% | -554 bps | |
| Liquid Assets / Assets | 6.50% | 5.32% | 4.96% | 7.92% | 12.84% | 9.14% | 11.13% | 8.02% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 55.40% | 57.34% | 57.35% | n/a | n/a | |