Libertyville Bank & Trust Company N.A.
Libertyville, IL·RSSD 2339795·FDIC 34073·bank:2339795·Risk-based ratios where reported
- #26 of 328Total assets in Illinois
- Top 9%Total assets in the U.S.
- 8offices
- 86employees
- #4 of 266Efficiency in Illinois
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 25 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Where Libertyville Bank & Trust Company N.A. differs most from peers
Efficiency ratio among the lowest of similar banksContext: Efficiency33.0%peers 55.7%-22.7 pp
Libertyville Bank & Trust Company N.A.'s efficiency ratio was 33.0%, compared with a median of 55.7% among 265 similar banks: lower than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 33.0% | 55.7% | -22.7 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Libertyville Bank & Trust Company N.A. itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesContext: Earnings1.55%peers 1.39%+16 bps
Libertyville Bank & Trust Company N.A.'s annualized return on assets fell 21 bps over the past year to 1.55%. Among 264 similar banks, the median rose 16 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.55% | 1.39% | +16 bps |
| 12-month change | ||
| -21 bps | +16 bps | -37 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Libertyville Bank & Trust Company N.A. itself is left out of every peer median and percentile. How signals work
Reliance on CDs falling faster than peersContext: Funding18.5%peers 21.0%-2.4 pp
Libertyville Bank & Trust Company N.A.'s time deposits' share of deposits fell 4.6 percentage points over the past year to 18.5%. Among 262 similar banks, the median fell 1.0 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 18.5% | 21.0% | -2.4 pp |
| 12-month change | ||
| -4.6 pp | -1.0 pp | -3.6 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Libertyville Bank & Trust Company N.A. itself is left out of every peer median and percentile. How signals work
Key facts
- Libertyville Bank & Trust Company N.A. is a bank headquartered in Libertyville, Illinois. It reported $3.3 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $2.9 billion, up 13.1% from a year earlier, and loans totaled $2.5 billion, up 8.4%.
- Its net interest margin was 3.40% and its annualized return on assets was 1.55% for the quarter.
- Its cost of all deposits was 2.03%, compared with a median of 1.99% among 263 similar banks with $3 billion to $10 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Libertyville Bank & Trust Company N.A.'s own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Libertyville Bank & Trust Company N.A. · Bank
- Federal Reserve RSSD
- 2339795
- FDIC certificate
- 34073
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Libertyville Bank & Trust Company N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $12.51M | — | |
| $42.21M | — | |
| $15.68M | — | |
| $26.54M | — | |
| $3M | — | |
| $9.75M | — | |
| $2.49M | — | |
| $2.75M | — | |
| 1.55% | 1.54%ROAQ · Quarter | |
| 3.40% | 3.39%NIMYQ · Quarter | |
| 33.03% | 33.03%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.