The Libertyville Savings Bank
Total assets
$384.1M
▼ -1.2% YoY
Deposits
$299.1M
▼ -3.8% YoY
Loans
$225.1M
▼ -6.5% YoY
Offices
6
LIBERTYVILLE SB EMPLOYEE STK OWNERSHIP TR
ROA (annualized)
1.49%
peers 1.24%
ROE (annualized)
13.26%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -3.8% | +4.0% | -7.7 pts |
| Loan growth (YoY) | -6.5% | +5.6% | -12.1 pts |
| ROA | 1.49% | 1.24% | +0.2 pts |
| ROE | 13.3% | 11.9% | +1.4 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
Profile
- Established
- 1901
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LIBERTYVILLE SB EMPLOYEE STK OWNERSHIP TR
- Specialization
- Agricultural Specialization
- Address
- 2000 W Jefferson Ave, Fairfield, IA, 52556
- County
- Jefferson
- Metro area
- Fairfield, IA
- Offices
- 6
- FDIC cert #
- 13712
- RSSD ID
- 857745
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.1M | $299.1M | $225.1M | $44.5M | $2.9M | 1.49% | 4.30% | 0.53% |
| Q1 2026 | $393.9M | $312.9M | $224.8M | $42.5M | $1.4M | 1.41% | 4.26% | 0.64% |
| Q4 2025 | $388.2M | $305.9M | $231.2M | $43.6M | $4.5M | 1.15% | 4.20% | 0.51% |
| Q3 2025 | $386.7M | $305.6M | $234.0M | $42.2M | $2.8M | 0.97% | 4.14% | 1.11% |
| Q2 2025 | $388.7M | $310.8M | $240.7M | $39.4M | $1.4M | 0.72% | 3.94% | 1.24% |
| Q1 2025 | $392.3M | $315.1M | $242.4M | $38.9M | $317K | 0.32% | 3.73% | 1.14% |
| Q4 2024 | $396.2M | $319.2M | $242.3M | $38.2M | $3.2M | 0.83% | 3.94% | 0.36% |
| Q3 2024 | $383.3M | $304.7M | $248.6M | $39.9M | $2.1M | 0.71% | 3.94% | 0.31% |
Loan mix (Q2 2026): real estate $136.1M · commercial $41.9M · consumer $3.2M · securities $102.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% | 69th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Waukon State BankWaukon, IA · $426.9M
- Maquoketa State BankMaquoketa, IA · $429.0M
- TS BankTreynor, IA · $432.7M
- FreedomBankElkader, IA · $433.9M
- GreatAmerica Bank National AssociationCedar Rapids, IA · $450.0M
- NSB BankMason City, IA · $460.8M
Selling to The Libertyville Savings Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.