Libertyville Bank & Trust Company, N.A.: 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.
Reserve coverage of non-performing loans climbed 34.92 percentage points in Q2 2026, from 215.09% to 250.02%. It was the largest change from Q1 2026 among the key lines here. Libertyville Bank & Trust Company, N.A. ranks 85th of 323 Illinois banks on return on assets, in the upper half at 1.55% (Q2 2026). Libertyville Bank & Trust Company, N.A. reported 1.55% on return on assets for Q2 2026, 0.27 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.88% |
| Tier 1 risk-based capital ratio | 10.88% |
| Total risk-based capital ratio | 11.81% |
| Tier 1 leverage ratio | 9.19% |
| Equity capital to assets | 8.50% |
| Tangible equity to tangible assets | 8.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.39% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 250.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 17.36% |
| Net interest margin | 3.36% |
| Efficiency ratio | 32.95% |
| Yield on earning assets | 5.34% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.54% |
| Core deposits to total deposits | 80.64% |
| Brokered deposits to total deposits | 13.48% |
| Deposits to assets | 85.52% |
| Securities to assets | 19.35% |
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 | 10.80% | 10.80% | 11.54% | 9.58% | 1.73% |
| Q4 2023 | 11.45% | 11.45% | 12.29% | 9.72% | 1.42% |
| Q1 2024 | 11.01% | 11.01% | 11.87% | 9.59% | 1.59% |
| Q2 2024 | 11.01% | 11.01% | 11.87% | 9.58% | 1.61% |
| Q3 2024 | 11.69% | 11.69% | 12.46% | 9.83% | 1.86% |
| Q4 2024 | 11.05% | 11.05% | 11.81% | 9.48% | 1.58% |
| Q1 2025 | 10.91% | 10.91% | 11.69% | 9.46% | 1.63% |
| Q2 2025 | 11.17% | 11.17% | 11.91% | 9.53% | 1.75% |
| Q3 2025 | 11.01% | 11.01% | 11.69% | 9.20% | 1.64% |
| Q4 2025 | 11.23% | 11.23% | 12.00% | 9.38% | 1.53% |
| Q1 2026 | 11.58% | 11.58% | 12.45% | 9.69% | 1.47% |
| Q2 2026 | 10.88% | 10.88% | 11.81% | 9.19% | 1.55% |
Libertyville Bank & Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Libertyville Bank & Trust Company, N.A., 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 Libertyville Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34073) · FFIEC NIC profile (RSSD 2339795)