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Libertyville Savings Bank

Fairfield, IA · Cert 13712 · Libertyville SB Employee STK Ownership Tr

State charter, non-member · FDIC · 6 branches

Q2 2026

$384.1MAssets
$227.7MLoans
$299.1MDeposits
$44.5MEquity
Loan mix
74%RE $130.5M24%C&I $42.8M2%Consumer $3.3MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $235.6M21%Noninterest $63.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.28%, up 36 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.90% of loans (-108 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 11.04%, up 47 bps from a year ago.
  • Funding: loans stand at 76.13% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.28%+36 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+9 bps YoY

Efficiency Ratio (quarter, annualized)

59.33%-404 bps YoY

Tier 1 Leverage Ratio

11.04%+47 bps YoY

NIM

5.14%Q2 ’245.33%Q2 ’255.28%Q2 ’26+5%+2%

Non-interest income vs. expense

2.58%Q2 ’242.58%Q2 ’252.48%Q2 ’26+4%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%0.99%0.26%0.93%1.19%1.39%1.13%1.28%+36 bps
Return on Equity10.83%9.86%2.69%9.23%11.33%12.58%10.25%11.46%+224 bps
Net Interest Margin3.77%3.68%3.48%3.87%4.23%4.09%4.02%3.96%+9 bps
Efficiency Ratio64.16%62.83%63.45%63.37%60.04%57.78%64.87%59.33%-404 bps
Non-Interest Burden2.30%2.20%2.10%2.34%2.37%2.21%2.50%2.22%-12 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 / Loans0.48%0.59%1.83%1.98%1.81%0.85%1.12%0.90%-108 bps
Net Charge-Offs / Loans1.21%0.78%1.01%-0.01%0.03%0.59%0.00%0.18%+19 bps
Allowance / Loans1.12%1.00%1.04%1.15%1.23%1.14%1.17%1.13%-2 bps
Allowance Coverage of NPLs2.3x1.7x0.6x0.6x0.7x1.3x1.1x1.3x+0.7x
Capital
Tier 1 Leverage Ratio10.69%10.35%10.33%10.57%10.79%10.99%10.92%11.04%+47 bps
Total Risk-Based Capital14.48%14.41%14.59%14.97%15.67%16.09%15.96%16.56%+159 bps
Equity / Assets10.40%9.64%9.92%10.13%10.92%11.24%10.80%11.57%+144 bps
Liquidity & Funding
Loans / Deposits82.51%76.68%77.73%78.36%77.53%76.46%72.69%76.13%-224 bps
Liquid Assets / Assets3.48%7.68%7.56%6.25%6.67%6.90%9.76%6.87%+62 bps
CRE / Total Capitaln/an/an/an/a68.39%64.59%56.67%n/an/a