Libertyville Bank & Trust Company, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Libertyville Bank & Trust Company, N.A. of Libertyville, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.55% | 1.44% | +0.11% | 69th above |
| ROAE | 17.36% | 12.50% | +4.86% | 81st top |
| Net Interest Margin | 3.36% | 3.84% | -0.48% | 29th below |
| Efficiency Ratio | 32.95% | 58.90% | -25.95% | 97th top |
| PPNR / Avg Assets | 2.44% | 1.78% | +0.66% | 86th top |
| Yield on Earning Assets | 5.34% | 5.71% | -0.37% | 38th below |
| Cost of Funds | 2.16% | 2.03% | +0.13% | 40th below |
| Net Interest Spread | 2.82% | 3.18% | -0.36% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.96% | -0.60% | 68th above |
| NPA / Total Assets | 0.28% | 0.75% | -0.47% | 67th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.31% | -0.24% | 37th below |
| ACL / Total Loans | 0.90% | 1.25% | -0.35% | 20th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 250.02% | 699.34% | -449.32% | 63rd above |
| Texas Ratio | 3.39% | 7.17% | -3.78% | 62nd above |
| Provision / NCO | 874.06% | 814.44% | +59.62% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.88% | 17.42% | -6.54% | 8th bottom |
| Tier 1 Ratio | 10.88% | 17.45% | -6.57% | 8th bottom |
| Total Capital Ratio | 11.81% | 18.51% | -6.70% | 7th bottom |
| Leverage Ratio | 9.19% | 11.60% | -2.41% | 16th bottom |
| Equity / Assets | 8.50% | 11.33% | -2.83% | 13th bottom |
| TCE / Tangible Assets | 8.36% | 10.65% | -2.29% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 86.54% | 86.35% | +0.19% | 54th above |
| Core Deposit Ratio | 80.64% | 85.56% | -4.92% | 22nd bottom |
| Uninsured Deposit Ratio | 28.67% | 32.71% | -4.04% | 58th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.31% | 5.45% | -0.14% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.92% | 10.45% | +1.47% | 81st top |
| Loan Growth (Y/Y) | 8.43% | 7.99% | +0.44% | 67th above |
| Deposit Growth (Y/Y) | 13.14% | 7.97% | +5.17% | 83rd top |
See Libertyville Bank & Trust Company, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Libertyville Bank & Trust Company, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Libertyville Bank & Trust Company, N.A. profile, how to read a UBPR, or how this data updates.