Liberty Bank (Liberty, IL)
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank is an FDIC-insured commercial bank headquartered in Liberty, IL, established in 1903 (FDIC certificate 11719), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $193.9M, up 8.2% from Q2 2025, the 201st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 20.76% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11719
- Headquarters
- Liberty, IL
- Established
- 1903
- Total assets, Q2 2026
- $193.9M
- Assets vs Q2 2025
- +8.2%
- CET1 ratio, Q2 2026
- 20.76%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081214161
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Bank call report
- Holding company
- LIBERTY BANCORPORATION, INC.
- Asset rank in state
- 201st of 319 in Illinois
Liberty Bank earns an unusually wide margin on its lending. Based in Liberty, Illinois, it had $194 million in assets at June 30, 2026, up 8.2% from a year earlier. It keeps 4.84 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 29% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter slipped 26% from a year earlier, to $835,000. Over the same year, loans grew 0.4% and deposits grew 8.2%.
As of June 30, 2026, Liberty Bank reported a CET1 capital ratio of 20.76%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.68%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Liberty Bank is the 201st largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $193.9M, loans rose 3.3% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.1% of total loans, ahead of farmland and other real estate loans at 22.0%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in IL; its Liberty office books 38% of its branch deposits. On its Q2 2026 call report, Liberty Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1002 N Main St, Liberty, IL 62347
- County
- Adams
- Metro Area
- Quincy, IL-MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 23, 1903
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $167.4M
- Allowance for credit losses
- $946K
- Net charge-offs (YTD)
- $14K
- Average total assets
- $195.6M
- Average total loans
- $117.3M
- Average interest-bearing deposits
- $127.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11719
- Fed RSSD
- 371942
- Website
- www.liberty.bank →
- Parent Holding Company
- LIBERTY BANCORPORATION, INC. (RSSD 1100297)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Liberty Bank's total assets moved between a low of $122.6M (Q2 2024) and a high of $193.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$193.9M total assets against $179.3M; $169.3M total liabilities against $156.6M.
$117.9M net loans and leases against $117.4M; $167.4M total deposits against $154.6M.
$46.7M securities against $33.8M; $19.3M cash and balances due against $18.1M.
$2.8M total interest income against $3.2M; $589K total interest expense against $708K.
$2.2M net interest income against $2.5M.
$38K total noninterest income against $180K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $6K.
$835K net income against $1.1M.
1.71% return on assets against 3.19%; 4.84% net interest margin against 5.16%.
20.76% CET1 capital ratio against 18.55%; 12.21% tier 1 leverage ratio against 15.33%.
Inside the full Liberty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLiberty Bank rankings
Its closest position to the top of a national ranking is 296 of 2,134, for CET1 ratio; its furthest is 2,867 of 3,640, for Texas Ratio.
Banks merged into Liberty Bank
- North Adams State Bank, effective June 27, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q4 2025) to 3.19% (Q2 2025) and its net interest margin ran from 4.00% (Q4 2024) to 5.23% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.76% | 1.71% | 0.14% | 0.68% | 4.84% |
| Q1 2026 | 20.71% | 1.59% | 0.10% | 0.48% | 4.41% |
| Q4 2025 | 19.70% | 0.78% | 0.03% | 0.15% | 5.23% |
| Q3 2025 | 19.94% | 1.96% | 0.12% | 0.61% | 4.70% |
| Q2 2025 | 18.55% | 3.19% | 0.11% | 0.61% | 5.16% |
| Q1 2025 | 17.96% | 1.69% | 0.03% | 0.22% | 4.40% |
| Q4 2024 | 18.01% | 1.08% | 0.16% | 1.00% | 4.00% |
| Q3 2024 | 17.85% | 1.48% | 0.07% | 0.40% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Liberty Bank (main office) | Liberty , IL | 62347 | $63.7M |
| North Adams State Bank Branch | Ursa , IL | 62376 | $31.5M |
| Payson Community Banking Center | Payson , IL | 62360 | $25.5M |
| Quincy Community Banking Center | Quincy , IL | 62305 | $25.4M |
| Barry Community Banking Center | Barry , IL | 62312 | $13.6M |
| Camp Point Branch | Camp Point , IL | 62320 | $7.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 27, 2025 | Structure Change | Acquired North Adams State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 26, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 239 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Liberty Bank
What are Liberty Bank's total assets?
As of the Q2 2026 filing, Liberty Bank reported total assets of $193.9 million in its FFIEC call report.
Where is Liberty Bank headquartered?
It is headquartered in Liberty, IL, United States.
When was Liberty Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Liberty Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank?
Liberty Bank's primary federal regulator is the FDIC.
What is Liberty Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Liberty Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Bank's Texas Ratio?
Its Texas Ratio is 0.68% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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