Libertyville Bank & Trust Company, National Association
Libertyville, IL · Cert 34073 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)
Q2 2026
$3.3BAssets
$2.5BLoans
$2.9BDeposits
$283.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 31).
- Widest gap: equity / assets trails 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 28 of 31).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.44%
Rank 13 of 31
Net Interest Margin
3.24%
Rank 18 of 31
Efficiency Ratio
33.42%
Rank 4 of 31
Equity / Assets
8.50%
Rank 28 of 31
Non-interest income vs. expense
Unfavorable gap of $27.6M · efficiency ratio beats 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 1.15% | 1.39% | 1.64% | Beats 58% | 13 / 31 | |
| Return on Equity | 16.94% | 11.05% | 13.35% | 16.66% | Beats 84% | 5 / 31 | |
| Net Interest Margin | 3.24% | 3.00% | 3.28% | 3.75% | Beats 42% | 18 / 31 | |
| Efficiency Ratio | 33.42% | 37.25% | 50.71% | 61.60% | Beats 90% | 4 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.18% | 0.41% | 1.00% | Beats 58% | 14 / 31 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.04% | 0.11% | Beats 65% | 12 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 10.88% | 10.88% | 11.50% | 13.72% | Beats 23% | 24 / 31 | |
| Total Risk-Based Capital Ratio | 11.81% | 11.53% | 12.02% | 14.77% | Beats 35% | 20 / 31 | |
| Equity / Assets | 8.50% | 8.90% | 10.15% | 11.24% | Beats 10% | 28 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 86.54% | 80.56% | 87.67% | 94.53% | 42nd pctl | 18 / 31 | |
| Loans / Assets | 74.01% | 67.81% | 73.77% | 76.85% | 52nd pctl | 15 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |