Libertyville Bank & Trust Company, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Libertyville Bank & Trust Company, N.A. is the primary bank subsidiary of its parent holding company, headquartered in Libertyville, IL. On its most recent Q2 2026 call report, Libertyville Bank & Trust Company reported $3.3B in total assets against $2.9B in deposits. Profitability is strong, 1.55% ROA, paired with 17.36% ROE and a 3.36% net interest margin. Regulatory capital is solid, 10.88% CET1 and 11.81% total risk-based capital ratio. Asset quality is pristine, 0.36% NPLs and a 3.39% Texas Ratio. It operates 8 branches, primarily in Illinois.
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 0.36%, a Texas ratio of 3.39%, per financial data filed with the FFIEC.
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)
- Established
- October 10, 1995
- Offices
- 8 domestic
- Employees (FTE)
- 86
- 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)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Crane Timothy | CEO | PRESIDENT & CEO |
| Stoehr David L | CFO | CHIEF FINANCIAL OFFICER |
| Dykstra David A | COO | VICE CHAIRMAN AND COO |
| Zidar Thomas P | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| Boege Kathleen M | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| Lentino James V | CRO | SVP and Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Libertyville Bank & Trust Company, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Libertyville Bank & Trust Company, N.A., 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Libertyville Bank & Trust Company, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.88% | 1.55% | 0.36% | 3.39% | 3.36% |
| Q1 2026 | 11.58% | 1.47% | 0.39% | 3.54% | 3.36% |
| Q4 2025 | 11.23% | 1.53% | 0.46% | 4.22% | 3.32% |
| Q3 2025 | 11.01% | 1.64% | 0.25% | 2.55% | 3.26% |
| Q2 2025 | 11.17% | 1.75% | 0.80% | 7.23% | 3.32% |
| Q1 2025 | 10.91% | 1.63% | 0.79% | 8.08% | 3.32% |
| Q4 2024 | 11.05% | 1.58% | 0.82% | 7.53% | 3.29% |
| Q3 2024 | 11.69% | 1.86% | 0.85% | 6.92% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| 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
What the public regulatory sources show for Libertyville Bank & Trust Company, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Libertyville Bank & Trust Company, N.A. headquartered?
Libertyville Bank & Trust Company, N.A. is headquartered in Libertyville, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Libertyville Bank & Trust Company, N.A. founded?
Libertyville Bank & Trust Company, N.A. was established in 1995, per the FDIC institution directory.
Is Libertyville Bank & Trust Company, N.A. FDIC-insured?
Yes. Libertyville Bank & Trust Company, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Libertyville Bank & Trust Company, N.A.'s CET1 capital ratio?
Libertyville Bank & Trust Company, N.A. 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?
Libertyville Bank & Trust Company, N.A. 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?
Libertyville Bank & Trust Company, N.A.'s Texas Ratio is 3.39% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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