BanksLIBERTY BANK

LIBERTY BANK

LIBERTY, ILSmallEst. June 23, 1903, midnightFDIC #11719RSSD #371942FDIC
Latest · 2025-12-31

LIBERTY BANK is an 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%. CET1 capital ratio: 19.70%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 6 domestic branches.

Assets
$186M
Deposits
$161M
Loans
$117M
Equity
$24M

Profitability

Return on Assets (ROA)0.80%
Return on Equity (ROE)6.30%
Net Interest Margin5.38%
Yield on Assets6.00%
Cost of Funds0.67%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.83%

Capital & Liquidity

CET1 Ratio19.70%
Tier 1 Capital19.70%
Total Capital Ratio20.55%
Leverage Ratio11.83%
Loan-to-Deposit72.57%

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