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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

3.04%Q2 ’243.47%Q2 ’253.74%Q2 ’26+23%+10%

Non-interest income vs. expense

2.05%Q2 ’242.19%Q2 ’252.27%Q2 ’26-1%+13%

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 0.38%, up 6 bps year over year; NIM at 2.56%.
  • 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 (quarter, annualized)

0.38%+6 bps YoY

Net Interest Margin (quarter, annualized)

2.56%+22 bps YoY

Efficiency Ratio (quarter, annualized)

82.25%+76 bps YoY

Tier 1 Leverage Ratio

24.01%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.28%0.44%0.44%0.38%+6 bps
Return on Equity1.41%1.22%1.89%1.85%1.63%+21 bps
Net Interest Margin2.33%2.44%2.56%2.66%2.56%+22 bps
Efficiency Ratio81.49%86.79%84.72%83.00%82.25%+76 bps
Non-Interest Burden1.84%2.08%2.14%2.17%2.07%+23 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 / Loans0.00%0.04%-0.02%0.00%0.00%0 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