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LB

Liberty Bank

Liberty, IllinoisFDIC Cert #11719

STATEEstablished 19036 branches

Holding company: LIBERTY BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Liberty Bank reported $192M in total assets. Deposits grew 40.55% over the prior year.

Return on assets was 1.61%, compared with the official FFIEC UBPR peer median of 1.26%. The leverage ratio was 12.08%.

  • Why is Deposit Growth, Year over Year above its official FFIEC UBPR peers?
  • Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
  • Why is Efficiency Ratio below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$192M
+43.1%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICASSET
Deposits
$166M
+40.5%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICDEP
Net loans
$114M
+20.6%y/y
Percentile by value51st percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
ROA
1.61%
−10 bpsy/y
Peer standing72nd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC + ROA
Efficiency
49.27%
+355 bpsy/y
Peer standing86th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONIX + NIM + NONII + EEFFR
Leverage
12.08%
+38 bpsy/y
Peer standing65th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICRBC1AAJ

Percentiles compare this bank with 1,099 ffiec ubpr peer group 6 — insured commercial banks having assets between $100 million and $300 million.

Side-by-side comparison

Liberty Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

1.61%

Registry median

1.26%
ROE

This bank

12.70%

FFIEC trimmed average

12.19%
NIM

This bank

4.45%

Registry median

3.95%
Loans YoY

This bank

+20.63%

FFIEC trimmed average

+5.94%
Leverage

This bank

12.08%

FFIEC trimmed average

11.53%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$122M$106M
Q3 2021$125M$109M
Q4 2021$122M$107M
Q1 2022$126M$111M
Q2 2022$125M$110M
Q3 2022$128M$113M
Q4 2022$127M$112M
Q1 2023$132M$117M
Q2 2023$128M$112M
Q3 2023$129M$113M
Q4 2023$126M$112M
Q1 2024$125M$110M
Q2 2024$123M$106M
Q3 2024$131M$115M
Q4 2024$130M$114M
Q1 2025$134M$118M
Q2 2025$179M$155M
Q3 2025$188M$162M
Q4 2025$186M$161M
Q1 2026$192M$166M

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$5.37M
Investor CRE$1.2M
Multifamily$3.76M
Construction$2.87M
1–4 family$43.5M
C&I$7.73M
Agriculture$40.1M
Other$10.5M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
72nd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.51%Median 1.26%90th 2.16%Observations 1,099
ROE
FDICNETINC + ROE
56th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 4.92%Median 11.93%90th 20.75%Observations 1,099
NIM
FDICNIM + NIMY
76th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 3.01%Median 3.95%90th 4.94%Observations 1,099
Efficiency
FDICNONIX + NIM + NONII + EEFFR
86th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 46.29%Median 62.76%90th 82.51%Observations 1,099
Deposits YoY
FDICDEP
98th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.81%Median +3.80%90th +14.76%Observations 1,099
Loans YoY
FDICLNLSNET
92nd percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −3.93%Median +5.37%90th +18.00%Observations 1,097
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
29th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.38%90th 2.47%Observations 1,097
Leverage
FDICRBC1AAJ
64th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.85%Median 11.00%90th 15.77%Observations 1,099

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
74th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.42%Median 2.24%90th 3.26%Observations 1,099
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
18th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 19%Median 99%90th 243%Observations 514

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
6 branches
Headquarters
Liberty, IL
FDICOFFDOMOpen the Illinois dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data