Libertyville Bank & Trust Company, N.A.
Also written as LB&T
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Data as of · sourced from FFIEC call reports. How we update
Libertyville Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Libertyville, IL, supervised by the OCC, with $3.34B in total assets at Q2 2026, up 11.9% from Q2 2025, the 25th largest of 319 banks headquartered in Illinois. It was established in 1995 and holds FDIC certificate 34073. Its CET1 capital ratio was 10.88% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34073
- Headquarters
- Libertyville, IL
- Established
- 1995
- Total assets, Q2 2026
- $3.34B
- Assets vs Q2 2025
- +11.9%
- CET1 ratio, Q2 2026
- 10.88%
- Domestic offices
- 8 · Libertyville Bank & Trust Company, N.A. branches FDIC institution directory, current count
- Routing number
- 071925567
- Safety and soundness
- Is Libertyville Bank & Trust Company, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · Libertyville Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 25th of 319 in Illinois
Libertyville Bank & Trust Company, N.A. runs leaner than most banks of its size. Based in Libertyville, Illinois, it had $3.3 billion in assets at June 30, 2026, up 11.9% from a year earlier. It spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 10.88% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.50%).
Unrealized losses on its securities total $64 million, equal to 22% of Tier 1 capital, against 25% a year earlier. Deposits are coming in faster than loans: over the year loans rose 8.4% and deposits rose 13.1%.
As of June 30, 2026, Libertyville Bank & Trust Company, N.A. reported a CET1 capital ratio of 10.88%, a return on assets of 1.55%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 3.26%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Libertyville Bank & Trust Company, N.A. is the 25th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.8% to $3.34B, loans rose 2.4% and deposits rose 7.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 42.0% of total loans, followed by non-owner-occupied commercial real estate loans at 13.3%. The FDIC Summary of Deposits lists 8 offices for it, in 5 cities in IL; its Libertyville 3 offices book 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, Libertyville Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 507 N Milwaukee Ave, Libertyville, IL 60048
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 10, 1995
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $2.86B
- Allowance for credit losses
- $22.4M
- Net charge-offs (YTD)
- $636K
- Average total assets
- $3.24B
- Average total loans
- $2.34B
- Average interest-bearing deposits
- $2.25B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 10, 1995
- FDIC Cert
- 34073
- Fed RSSD
- 2339795
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.libertyvillebank.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
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
Over the 12 quarters to Q2 2026, Libertyville Bank & Trust Company, N.A.'s total assets ran between $2.59B (Q3 2023) and $3.34B (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
$3.34B total assets against $2.98B; $3.05B total liabilities against $2.72B.
$2.45B net loans and leases against $2.26B; $2.86B total deposits against $2.52B.
$646.1M securities against $509.6M; $141.3M cash and balances due against $88.0M.
$42.2M total interest income against $40.1M; $15.7M total interest expense against $16.4M.
$26.5M net interest income against $23.7M.
$3.0M total noninterest income against $2.3M; $9.8M total noninterest expense against $9.0M.
$2.8M provision for credit losses against -$361K.
$12.5M net income against $12.8M.
1.55% return on assets against 1.75%; 3.36% net interest margin against 3.32%.
10.88% CET1 capital ratio against 11.17%; 9.19% tier 1 leverage ratio against 9.53%.
Inside the full Libertyville Bank & Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Libertyville Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 69 of 3,606, for efficiency ratio; its furthest is 1,982 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.47% (Q1 2026) to 1.86% (Q3 2024) and its net interest margin ran from 3.26% (Q3 2025) to 3.36% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.88% | 1.55% | 0.39% | 3.26% | 3.36% |
| Q1 2026 | 11.58% | 1.47% | 0.43% | 3.42% | 3.36% |
| Q4 2025 | 11.23% | 1.53% | 0.50% | 4.11% | 3.32% |
| Q3 2025 | 11.01% | 1.64% | 0.28% | 2.45% | 3.26% |
| Q2 2025 | 11.17% | 1.75% | 0.51% | 4.34% | 3.32% |
| Q1 2025 | 10.91% | 1.63% | 0.57% | 4.99% | 3.32% |
| Q4 2024 | 11.05% | 1.58% | 0.48% | 4.27% | 3.29% |
| Q3 2024 | 11.69% | 1.86% | 0.47% | 3.83% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Libertyville Bank & Trust Company, N.A. (main office) | Libertyville , IL | 60048 | $1.63B |
| West Liberty Street Branch | Wauconda , IL | 60084 | $343.9M |
| M O'Plain Road Branch | Gurnee , IL | 60031 | $254.8M |
| Vernon Hills Branch | Vernon Hills , IL | 60061 | $202.3M |
| Mundelein Branch | Mundelein , IL | 60060 | $198.0M |
| Libertyville Bank & Trust Company | Libertyville , IL | 60048 | $144.6M |
| Lake St. Mundelein Branch | Mundelein , IL | 60060 | $84.6M |
| 201 East Hurlburt Court Branch | Libertyville , IL | 60048 | $0 |
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 April 11, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in IL, rank 33 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 157 applications, 121 loans originated, $122.0M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $9.6M approved, $965K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Libertyville Bank & Trust Company, N.A.
What are Libertyville Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Libertyville Bank & Trust Company, N.A. reported total assets of $3.34 billion in its FFIEC call report.
Where is Libertyville Bank & Trust Company, N.A. headquartered?
It is headquartered in Libertyville, IL, United States.
When was Libertyville Bank & Trust Company, N.A. founded?
It was established in 1995, per the FDIC institution directory.
Is Libertyville Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Libertyville Bank & Trust Company, N.A.?
Libertyville Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Libertyville Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does Libertyville Bank & Trust Company, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Libertyville Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 3.26% 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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