LIBERTY BANK

LIBERTY, IL | Small | Est. June 23, 1903, midnight | FDIC #11719 | RSSD #371942 | FDIC
Latest Report: 2025-12-31

LIBERTY BANK is asn small FDIC-insured commercial bank headquartered in LIBERTY, IL, established in June 23, 1903, midnight. As of 2025-12-31, the bank reported total assets of $186M and total deposits of $161M. Profitability stands at 0.80% ROA and 6.30% ROE, with a net interest margin of 5.38%. The bank's CET1 capital ratio is 19.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #11719.

Assets

$186M

Deposits

$161M

Loans

$117M

Equity

$24M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 6.30%
Net Interest Margin (NIM) 5.38%
Yield on Assets 6.00%
Cost of Funds 0.67%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.83%

Capital & Liquidity

CET1 Ratio 19.70%
Tier 1 Capital 19.70%
Total Capital Ratio 20.55%
Leverage Ratio 11.83%
Loan-to-Deposit 72.57%

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