PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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