Liberty Bank for Savings: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 2.22 percentage points in Q2 2026, from 84.83% to 82.61%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Liberty Bank for Savings is 108th of 323 on loan-to-deposit ratio, 82.61% as of Q2 2026, above the middle of the field. At 82.61%, Liberty Bank for Savings's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $542.6M |
| Net loans and leases | $539.7M |
| Loans held for sale | $0 |
| Loans to total assets | 62.46% |
| Loan-to-deposit ratio | 82.61% |
| Net loans to equity capital | 2.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.29% |
| Multifamily (5+ residential) | 14.81% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.68% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.42% |
| Interest income on loans | $6.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $518.7M | $662.8M | 0.33% | 0.00% | 0.00% |
| Q4 2023 | $530.5M | $655.1M | 0.31% | 0.00% | 0.00% |
| Q1 2024 | $528.8M | $646.9M | 0.33% | 0.00% | 0.00% |
| Q2 2024 | $551.4M | $647.6M | 0.31% | 0.00% | 0.00% |
| Q3 2024 | $565.2M | $644.1M | 0.29% | 0.00% | 0.00% |
| Q4 2024 | $563.8M | $659.8M | 0.29% | 0.00% | 0.00% |
| Q1 2025 | $559.4M | $652.1M | 0.28% | 0.00% | 0.00% |
| Q2 2025 | $556.0M | $653.5M | 0.30% | 0.00% | 0.00% |
| Q3 2025 | $552.4M | $653.7M | 0.29% | 0.00% | 0.00% |
| Q4 2025 | $554.8M | $644.6M | 0.29% | 0.00% | 0.00% |
| Q1 2026 | $548.4M | $646.4M | 0.29% | 0.00% | 0.00% |
| Q2 2026 | $542.6M | $656.8M | 0.29% | 0.00% | 0.00% |
Liberty Bank for Savings loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank for Savings, freeSource: Call Report Schedule RC-C, 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 for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29009) · FFIEC NIC profile (RSSD 757377)