Liberty Bank for Savings
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank for Savings is an FDIC-insured savings bank headquartered in Chicago, IL, established in 1898 (FDIC certificate 29009), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $868.6M, up 0.9% from Q2 2025, the 58th largest of 319 banks headquartered in Illinois.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29009
- Headquarters
- Chicago, IL
- Established
- 1898
- Total assets, Q2 2026
- $868.6M
- Assets vs Q2 2025
- +0.9%
- Capital ratio
- Not reported
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 271071004
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Bank for Savings call report
- Asset rank in state
- 58th of 319 in Illinois
Liberty Bank for Savings spends more to run itself than most banks of its size. It reported $869 million in assets at June 30, 2026. It earns about $0.38 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter rose 19% from a year earlier, to $826,000. Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Liberty Bank for Savings reported a CET1 capital ratio of 60.82%, a return on assets of 0.38%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Liberty Bank for Savings is the 58th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $868.6M, loans fell 1.1% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 84.9% of total loans, followed by multifamily loans at 14.8%. Its 5 offices in the FDIC Summary of Deposits are in Chicago, IL, Lincolnwood, IL and Park Ridge, IL; its Chicago 3 offices book 79% of its branch deposits. Judged on its Q2 2026 call report, Liberty Bank for Savings meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2392 N Milwaukee Ave, Chicago, IL 60647
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 94
- Domestic deposits
- $656.8M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $878.6M
- Average total loans
- $545.4M
- Average interest-bearing deposits
- $591.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29009
- Fed RSSD
- 757377
- Website
- libertybank.com →
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
From Q3 2023 to Q2 2026, Liberty Bank for Savings's total assets ranged from $845.6M (Q1 2024) to $868.6M (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
$868.6M total assets against $861.1M; $665.5M total liabilities against $662.7M.
$539.7M net loans and leases against $552.9M; $656.8M total deposits against $653.5M.
$293.3M securities against $267.0M; $9.6M cash and balances due against $13.9M.
$8.2M total interest income against $7.6M; $2.6M total interest expense against $2.5M.
$5.6M net interest income against $5.1M.
$459K total noninterest income against $782K; $5.0M total noninterest expense against $4.8M.
$0 provision for credit losses against $0.
$826K net income against $697K.
0.38% return on assets against 0.32%; 2.67% net interest margin against 2.46%.
60.82% CET1 capital ratio against 50.75%; 24.01% tier 1 leverage ratio against 23.75%.
Inside the full Liberty Bank for Savings terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLiberty Bank for Savings rankings
Its closest position to the top of a national ranking is 1,166 of 4,196, for total assets; its furthest is 3,352 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q3 2024) to 0.43% (Q4 2025) and its net interest margin ran from 2.06% (Q3 2024) to 2.77% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 60.82% | 0.38% | 0.04% | 0.10% | 2.67% |
| Q1 2026 | 60.27% | 0.43% | 0.03% | 0.08% | 2.77% |
| Q4 2025 | 58.71% | 0.43% | 0.02% | 0.06% | 2.68% |
| Q3 2025 | 51.04% | 0.28% | 0.03% | 0.08% | 2.56% |
| Q2 2025 | 50.75% | 0.32% | 0.04% | 0.10% | 2.46% |
| Q1 2025 | 50.16% | 0.13% | 0.10% | 0.29% | 2.34% |
| Q4 2024 | 49.89% | 0.05% | 0.30% | 0.86% | 2.14% |
| Q3 2024 | 50.23% | 0.03% | 0.17% | 0.48% | 2.06% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Foster Office | Chicago , IL | 60656 | $257.0M |
| Liberty Bank for Savings (main office) | Chicago , IL | 60647 | $149.2M |
| Norwood Office | Chicago , IL | 60646 | $111.0M |
| Lincolnwood Office | Lincolnwood , IL | 60712 | $73.6M |
| Park Ridge Office | Park Ridge , IL | 60068 | $66.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 19, 1997. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 84 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 for Savings
What are Liberty Bank for Savings's total assets?
As of the Q2 2026 filing, Liberty Bank for Savings reported total assets of $868.6 million in its FFIEC call report.
Where is Liberty Bank for Savings headquartered?
It is headquartered in Chicago, IL, United States.
When was Liberty Bank for Savings founded?
It was established in 1898, per the FDIC institution directory.
Is Liberty Bank for Savings FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29009). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank for Savings?
Liberty Bank for Savings's primary federal regulator is the FDIC.
What is Liberty Bank for Savings's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 60.82% 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 for Savings operate?
It operates 5 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 for Savings's Texas Ratio?
Its Texas Ratio is 0.10% 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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