← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Liberty Bank for Savings

Chicago, Illinois · $869M in assets · beside the 11 other Illinois banks between $300M and $1B

The filing

23.4%
Equity / assets
1st of 12
0.04%
NPA / loans
1st of 12
0.40%
ROA
11th of 12

Liberty Bank for Savings is the fourth largest of the 12 Illinois banks nearest its size between $300M and $1B, with $869M in assets at 30 June 2026. Loans are 82.6% of deposits, 9th of 12 against a median of 80.7%, and equity is 23.4% of assets, the highest in the cohort. Loans grew -2.4% in the year, 11th of 12, and deposits grew 0.5%; the cohort's median loan growth is +3.7%.

Noncurrent loans are 0.04% of the book, the lowest in the cohort against a median of 0.70%; 0.18% is 30 to 89 days past due, and the allowance covers them 14.3 times. Commercial real estate is 14.8% of loans, 3rd of 12 against a median of 32.8%, and 38% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.40%, 11th of 12 against a median of 0.91%, on an efficiency ratio of 82.6%, 11th of 12. Five years ago it was 0.32%. The question is what the capital is for: the balance sheet carries less risk than it could.

Nonperforming loans, share of loansIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.70% LB Liberty Bank for Savings 0.04% FS First Savings Bank of Hegewisch 0.06% HS Home State Bank N.A. 0.07% FN Farmers National Bank 0.23% IB Itasca Bank & Trust Co. 0.28% PS Prairie State Bank & Trust 0.52% SV Sauk Valley Bank & Trust Co. 0.87% CB Cibm Bank 1.08% FN First National Bank of Waterloo 1.33% FB Fortress Bank 1.99% RB Resource Bank National Association 2.44% MB Millennium Bank 4.37%
Loans, year over yearIL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.7% MB Millennium Bank +6.3% FB Fortress Bank +5.9% SV Sauk Valley Bank & Trust Co. +5.6% IB Itasca Bank & Trust Co. +4.9% HS Home State Bank N.A. +4.8% FN Farmers National Bank +4.3% FN First National Bank of Waterloo +3.2% PS Prairie State Bank & Trust +0.0% RB Resource Bank National Association -0.4% CB Cibm Bank -0.8% LB Liberty Bank for Savings -2.4% FS First Savings Bank of Hegewisch -4.1%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Liberty Bank for SavingsRankCohort median
Total CRE against capital, the 300% screen38%3rd of 12210%
Construction against capital, the 100% screen0%1st of 1238%
Construction and land development, share of loans0.0%1st of 126.1%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1217.8%
Total CRE, the guidance definition, share of loans14.8%3rd of 1232.8%
CRE growth over 36 months, the third prong+24.2%6th of 12+26.2%
Commercial real estate against capital, the 300% screenIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 210% FS First Savings Bank of Hegewisch 3% FN Farmers National Bank 6% LB Liberty Bank for Savings 38% SV Sauk Valley Bank & Trust Co. 126% HS Home State Bank N.A. 176% RB Resource Bank National Association 207% FN First National Bank of Waterloo 214% IB Itasca Bank & Trust Co. 214% PS Prairie State Bank & Trust 229% FB Fortress Bank 264% CB Cibm Bank 319% MB Millennium Bank 444%
CRE growth over 36 months, the guidance's third prongIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +26.2% FS First Savings Bank of Hegewisch -15.5% CB Cibm Bank -0.5% RB Resource Bank National Association +8.4% FN First National Bank of Waterloo +14.2% HS Home State Bank N.A. +24.0% LB Liberty Bank for Savings +24.2% FN Farmers National Bank +28.2% SV Sauk Valley Bank & Trust Co. +36.1% FB Fortress Bank +36.1% PS Prairie State Bank & Trust +38.0% IB Itasca Bank & Trust Co. +42.7% MB Millennium Bank +133.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Waterloo$929M0.9%63.8%1.33%0.03%1.6%70.3%9.9%
Fortress Bank$897M0.9%79.8%1.99%0.70%1.3%100.7%9.5%
Farmers National Bank$896M1.1%45.0%0.23%0.00%3.2%79.5%14.3%
Liberty Bank for Savings$869M0.4%82.6%0.04%0.00%0.5%82.6%23.4%
Resource Bank National Association$869M1.3%69.2%2.44%0.00%1.2%64.0%7.6%
Millennium Bank$844M0.6%69.7%4.37%0.23%1.5%96.3%9.4%
Prairie State Bank & Trust$840M1.6%60.2%0.52%0.04%1.1%75.7%12.1%
Cibm Bank$820M0.5%80.9%1.08%0.21%1.2%99.8%9.8%
Sauk Valley Bank & Trust Co.$791M0.8%71.2%0.87%-0.04%1.4%82.0%7.6%
First Savings Bank of Hegewisch$787M0.1%91.0%0.06%0.00%0.5%53.1%15.0%
Home State Bank N.A.$776M1.5%68.0%0.07%-0.01%1.2%75.4%10.6%
Itasca Bank & Trust Co.$771M1.1%63.0%0.28%0.03%1.4%81.9%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Liberty Bank for SavingsCohort median
20212026Change20212026Change
Loans$487M$543M+11%$404M$549M+36%
Deposits$688M$657M-5%$645M$687M+6%
NPA / loans0.59%0.04%-0.55 pts0.64%0.70%+0.06 pts
Efficiency83.2%82.6%-0.6 pts68.6%69.5%+0.8 pts
ROA0.32%0.40%+0.08 pts1.01%0.91%-0.11 pts

This read was prepared for Liberty Bank for Savings's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Liberty Bank for Savings is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $300M to $1B
Institution libertybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue