Libertyville Savings Bank
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
$384.1MAssets
$227.7MLoans
$299.1MDeposits
$44.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 84% of banks under $1B in assets in IA (rank 21 of 135).
- Widest gap: net charge-offs / loans trails 79% of banks under $1B in assets in IA (rank 107 of 134).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 29% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |