Liberty Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 2.00 percentage points higher than in Q1 2026, at 93.79%. Within Illinois, Liberty Bank is 60th of 323 on return on assets, 1.71% as of Q2 2026, above the middle of the field. Liberty Bank reported 1.71% on return on assets for Q2 2026, 0.45 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.76% |
| Tier 1 risk-based capital ratio | 20.76% |
| Total risk-based capital ratio | 21.60% |
| Tier 1 leverage ratio | 12.21% |
| Equity capital to assets | 12.67% |
| Tangible equity to tangible assets | 11.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.68% |
| Allowance for credit losses to loans | 0.80% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 13.69% |
| Net interest margin | 4.84% |
| Efficiency ratio | 47.26% |
| Yield on earning assets | 6.14% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.02% |
| Core deposits to total deposits | 93.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.33% |
| Securities to assets | 24.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.40% | 19.40% | 20.14% | 13.28% | 1.58% |
| Q4 2023 | 16.14% | 16.14% | 16.88% | 11.13% | 0.92% |
| Q1 2024 | 16.96% | 16.96% | 17.73% | 11.69% | 1.70% |
| Q2 2024 | 17.48% | 17.48% | 18.26% | 11.98% | 1.73% |
| Q3 2024 | 17.85% | 17.85% | 18.64% | 12.11% | 1.48% |
| Q4 2024 | 18.01% | 18.01% | 18.82% | 11.63% | 1.08% |
| Q1 2025 | 17.96% | 17.96% | 18.76% | 11.69% | 1.69% |
| Q2 2025 | 18.55% | 18.55% | 19.40% | 15.33% | 3.19% |
| Q3 2025 | 19.94% | 19.94% | 20.81% | 12.20% | 1.96% |
| Q4 2025 | 19.70% | 19.70% | 20.55% | 11.83% | 0.78% |
| Q1 2026 | 20.71% | 20.71% | 21.58% | 12.08% | 1.59% |
| Q2 2026 | 20.76% | 20.76% | 21.60% | 12.21% | 1.71% |
Liberty Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11719) · FFIEC NIC profile (RSSD 371942)