Fairfield, IA · Cert 13712 · Libertyville SB Employee STK Ownership Tr
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
27
Profitability
63
Liquidity
81
Efficiency
29
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.
Fairfield, IA · Cert 13712 · Libertyville SB Employee STK Ownership Tr
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.69% | 0.26% | 0.59% | 0.79% | 0.94% | 1.13% | 1.21% | +62 bps | |
| Return on Equity | 6.03% | 7.07% | 2.69% | 5.98% | 7.79% | 9.09% | 10.25% | 10.79% | +481 bps | |
| Net Interest Margin | 3.70% | 3.59% | 3.48% | 3.70% | 3.88% | 3.92% | 4.02% | 3.97% | +27 bps | |
| Efficiency Ratio | 66.30% | 65.41% | 63.45% | 63.41% | 62.17% | 61.02% | 64.87% | 62.10% | -131 bps | |
| Non-Interest Burden | 2.34% | 2.24% | 2.10% | 2.23% | 2.28% | 2.26% | 2.50% | 2.35% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | 1.19% | 2.81% | 2.66% | 0.90% | -2.00% | 0.41% | -1.17% | -383 bps | |
| Loan Growth (YoY) | -1.10% | -5.56% | -1.88% | -2.25% | -5.76% | -4.44% | -7.12% | -6.51% | -426 bps | |
| Deposit Growth (YoY) | -4.59% | 0.47% | 0.96% | 0.79% | 0.30% | -4.16% | -0.69% | -3.77% | -456 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.59% | 1.83% | 1.98% | 1.81% | 0.85% | 1.12% | 0.90% | -108 bps | |
| Net Charge-Offs / Loans | 0.40% | 0.50% | 1.01% | 0.50% | 0.35% | 0.42% | 0.00% | 0.09% | -41 bps | |
| Allowance / Loans | 1.12% | 1.00% | 1.04% | 1.15% | 1.23% | 1.14% | 1.17% | 1.13% | -2 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.7x | 0.6x | 0.6x | 0.7x | 1.3x | 1.1x | 1.3x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 10.35% | 10.33% | 10.57% | 10.79% | 10.99% | 10.92% | 11.04% | +47 bps | |
| Total Risk-Based Capital | 14.48% | 14.41% | 14.59% | 14.97% | 15.67% | 16.09% | 15.96% | 16.56% | +159 bps | |
| Equity / Assets | 10.40% | 9.64% | 9.92% | 10.13% | 10.92% | 11.24% | 10.80% | 11.57% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.51% | 76.68% | 77.73% | 78.36% | 77.53% | 76.46% | 72.69% | 76.13% | -224 bps | |
| Liquid Assets / Assets | 3.48% | 7.68% | 7.56% | 6.25% | 6.67% | 6.90% | 9.76% | 6.87% | +62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 68.39% | 64.59% | 56.67% | n/a | n/a | |
Fairfield, IA · Cert 13712 · Peer group: banks under $1B in assets in IA (n=134-135) · Libertyville SB Employee STK Ownership Tr
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.22%
Rank 65 of 135
Net Interest Margin
3.97%
Rank 21 of 135
Efficiency Ratio
62.10%
Rank 97 of 135
Equity / Assets
11.57%
Rank 58 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.92% | 1.19% | 1.47% | Beats 52% | 65 / 135 | ||
| Return on Equity | 10.57% | 7.99% | 10.26% | 13.14% | Beats 54% | 62 / 135 | ||
| Net Interest Margin | 3.97% | 2.95% | 3.41% | 3.73% | Beats 84% | 21 / 135 | ||
| Efficiency Ratio | 62.10% | 50.61% | 57.35% | 63.29% | Beats 29% | 97 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.03% | 0.51% | 1.26% | Beats 33% | 91 / 134 | ||
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.03% | Beats 21% | 107 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.62% | 11.23% | 13.31% | 15.45% | Beats 77% | 31 / 135 | ||
| Total Risk-Based Capital Ratio | 16.56% | 11.61% | 14.06% | 16.47% | Beats 77% | 31 / 135 | ||
| Equity / Assets | 11.57% | 9.87% | 11.05% | 13.07% | Beats 57% | 58 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.13% | 68.54% | 81.55% | 91.24% | 39th pctl | 82 / 134 | ||
| Loans / Assets | 59.26% | 57.61% | 68.06% | 76.23% | 30th pctl | 94 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||