Libertyville Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Libertyville Savings Bank is an FDIC-insured commercial bank headquartered in Fairfield, IA, established in 1901 (FDIC certificate 13712), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $384.1M, down 1.2% from Q2 2025, the 85th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13712
- Headquarters
- Fairfield, IA
- Established
- 1901
- Total assets, Q2 2026
- $384.1M
- Assets vs Q2 2025
- -1.2%
- CET1 ratio, Q2 2026
- 15.62%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 073914220
- Latest call report
- Q2 2026, FFIEC 051 · Libertyville Savings Bank call report
- Holding company
- VILLAGE INVESTMENT COMPANY
- Asset rank in state
- 85th of 225 in Iowa
Libertyville Savings Bank, based in Fairfield, Iowa, reported $384 million in assets at June 30, 2026, down 1.2% from a year earlier. It shrank its loan book 6.5% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also holds commercial real estate loans equal to only 37% of its capital, about a third the median of 1.2 times for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.90% of loans from 1.98%. Earnings jumped: net income for the quarter was $1.5 million, 37% above the same quarter a year earlier.
As of June 30, 2026, Libertyville Savings Bank reported a CET1 capital ratio of 15.62%, a return on assets of 1.55%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 4.72%. The figures come from its call report filed with the FFIEC.
Libertyville Savings Bank ranks as the 85th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.5% to $384.1M, loans rose 0.1% and deposits fell 4.4%. Farmland and other real estate loans made up 28.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.0%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in IA; its Fairfield office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, Libertyville Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2000 W Jefferson Ave, Fairfield, IA 52556
- County
- Jefferson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- September 16, 1901
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $299.1M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $101K
- Average total assets
- $390.7M
- Average total loans
- $227.1M
- Average interest-bearing deposits
- $244.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 15, 1934
- FDIC Cert
- 13712
- Fed RSSD
- 857745
- Website
- www.lsbia.bank →
- Parent Holding Company
- VILLAGE INVESTMENT COMPANY (RSSD 2260376)
- Ultimate Parent
- RSSD 5904756
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
Libertyville Savings Bank's total assets moved between a low of $378.6M (Q2 2024) and a high of $396.2M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$384.1M total assets against $388.7M; $339.7M total liabilities against $349.3M.
$225.1M net loans and leases against $240.7M; $299.1M total deposits against $310.8M.
$102.2M securities against $93.2M; $34.3M cash and balances due against $32.1M.
$5.2M total interest income against $5.2M; $1.3M total interest expense against $1.4M.
$3.8M net interest income against $3.7M.
$248K total noninterest income against $226K; $2.4M total noninterest expense against $2.5M.
$0 provision for credit losses against $250K.
$1.5M net income against $1.1M.
1.55% return on assets against 1.14%; 4.44% net interest margin against 4.38%.
15.62% CET1 capital ratio against 14.01%; 11.04% tier 1 leverage ratio against 10.57%.
Inside the full Libertyville Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLibertyville Savings Bank rankings
Its closest position to the top of a national ranking is 1,192 of 3,611, for ROA; its furthest is 2,120 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.32% (Q1 2025) to 1.69% (Q4 2025) and its net interest margin ran from 3.80% (Q1 2025) to 4.72% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.62% | 1.55% | 0.90% | 4.72% | 4.44% |
| Q1 2026 | 15.01% | 1.42% | 1.12% | 6.10% | 4.51% |
| Q4 2025 | 15.13% | 1.69% | 0.85% | 4.65% | 4.59% |
| Q3 2025 | 14.63% | 1.47% | 1.81% | 10.31% | 4.72% |
| Q2 2025 | 14.01% | 1.14% | 1.98% | 12.50% | 4.38% |
| Q1 2025 | 13.72% | 0.32% | 1.83% | 11.84% | 3.80% |
| Q4 2024 | 13.58% | 1.19% | 0.59% | 3.90% | 4.09% |
| Q3 2024 | 13.53% | 1.34% | 0.48% | 3.07% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| The Libertyville Savings Bank | Fairfield , IA | 52556 | $140.3M |
| Farmers Savings Bank Branch | Keota , IA | 52248 | $66.4M |
| Keosauqua Branch | Keosauqua , IA | 52565 | $40.2M |
| Eldon Branch | Eldon , IA | 52554 | $26.9M |
| Farmers and Traders Savings Bank Branch | Douds , IA | 52551 | $13.3M |
| Libertyville Branch | Libertyville , IA | 52567 | $11.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 20, 2019 | Structure Change | Acquired Farmers and Traders Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 19, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2014 | Structure Change | Acquired Farmers Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 96 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $128K approved, $128K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Savings Bank
What are Libertyville Savings Bank's total assets?
As of the Q2 2026 filing, Libertyville Savings Bank reported total assets of $384.1 million in its FFIEC call report.
Where is Libertyville Savings Bank headquartered?
It is headquartered in Fairfield, IA, United States.
When was Libertyville Savings Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Libertyville Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13712). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Libertyville Savings Bank?
Libertyville Savings Bank's primary federal regulator is the FDIC.
What is Libertyville Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Libertyville Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Libertyville Savings Bank's Texas Ratio?
Its Texas Ratio is 4.72% 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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