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Liberty Bank for Savings

Chicago, IL · Cert 29009

SI · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank for Savings

Chicago, IL · Cert 29009

SI · FDIC · 5 branches

Q2 2026

$868.6MAssets
$542.6MLoans
$656.8MDeposits
$203.2MEquity
Loan mix
100%RE $548.4M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $588.0M10%Noninterest $68.8MQ2 2025Q2 2026

NIM

2.99%Q2 ’243.44%Q2 ’253.73%Q2 ’26+21%+14%

Non-interest income vs. expense

2.05%Q2 ’242.23%Q2 ’252.33%Q2 ’26+7%+8%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #62 of 147 inst. · $0.7B of $630.7B

Executive Summary

  • Earnings: ROA of 0.41%, up 18 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 24.01%, up 26 bps from a year ago.
  • Funding: loans stand at 82.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+31 bps YoY

Efficiency Ratio (YTD, annualized)

82.63%-406 bps YoY

Tier 1 Leverage Ratio

24.01%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.25%0.30%0.44%0.41%+18 bps
Return on Equity1.01%1.08%1.29%1.85%1.74%+73 bps
Net Interest Margin2.29%2.33%2.39%2.66%2.60%+31 bps
Efficiency Ratio86.69%86.72%86.20%83.00%82.63%-406 bps
Non-Interest Burden1.94%1.98%2.02%2.17%2.11%+16 bps
Growth
Asset Growth (YoY)1.47%1.56%-0.64%0.04%0.88%-59 bps
Loan Growth (YoY)0.83%-2.27%-1.60%-1.98%-2.41%-324 bps
Deposit Growth (YoY)0.91%1.48%-2.29%-0.87%0.51%-41 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.02%0.03%0.04%0 bps
Net Charge-Offs / Loans-0.04%-0.01%-0.01%0.00%0.00%+3 bps
Allowance / Loans0.56%0.55%0.51%0.51%0.52%-4 bps
Allowance Coverage of NPLs15.3x19.3x21.4x18.1x14.3x-1.0x
Capital
Tier 1 Leverage Ratio23.75%23.68%23.84%24.09%24.01%+26 bps
Total Risk-Based Capital51.52%51.79%59.50%61.07%61.63%+1,012 bps
Equity / Assets23.04%23.22%23.69%23.61%23.39%+35 bps
Liquidity & Funding
Loans / Deposits85.08%84.50%86.06%84.83%82.61%-247 bps
Liquid Assets / Assets0.00%0.00%0.00%0.01%0.00%0 bps
CRE / Total Capitaln/a43.45%42.34%39.44%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank for Savings

Chicago, IL · Cert 29009 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

SI · FDIC · 5 branches

Q2 2026

$868.6MAssets
$542.6MLoans
$656.8MDeposits
$203.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 2 of 57).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 51 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.41%

Rank 45 of 57

Net Interest Margin

2.60%

Rank 51 of 57

Efficiency Ratio

82.63%

Rank 44 of 57

Equity / Assets

23.39%

Rank 5 of 57

Non-interest income vs. expense

$2.0M$20.5MINCOMEEXPENSE
Unfavorable gap of $18.5M · efficiency ratio beats 25% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 82.63%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%0.51%0.84%1.19%Beats 21%45 / 57
Return on Equity1.73%3.13%7.76%11.40%Beats 19%46 / 57
Net Interest Margin2.60%3.16%3.63%4.08%Beats 11%51 / 57
Efficiency Ratio82.63%59.57%69.70%81.06%Beats 25%44 / 57
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.34%1.78%Beats 80%12 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 57%25 / 56
Capital
Tier 1 Capital Ratio60.82%12.24%16.06%19.69%Beats 96%2 / 57
Total Risk-Based Capital Ratio61.63%12.54%16.50%20.95%Beats 96%2 / 57
Equity / Assets23.39%9.37%11.56%15.00%Beats 91%5 / 57
Liquidity & Funding
Loans / Deposits82.61%66.29%85.59%95.16%47th pctl30 / 57
Loans / Assets62.46%57.07%71.07%78.13%33rd pctl38 / 57
Brokered Deposits / Depositsn/aNot reported for this institution