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Liberty Bank
Liberty, IL · FDIC Certificate #11719 · Chartered 06/2
Total assets
$193.86M
Total deposits
$167.36M
Total equity
$24.56M
Net loans
$117.92M
Branches (offices)
6
Net income (YTD)
$1.60M
Rank: #3,014 of 4,213 U.S. banks by assets · #203 of 322 in Illinois. Assets changed 8.2% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 13.20% |
| Net interest margin (YTD) | 4.65% |
| Equity to assets | 12.67% |
| Tier 1 leverage ratio | 12.21% |
| Uninsured deposits (share of deposits) | 10.1% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 70.5% |
| Real estate loans (share of loans) | 72.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $84.91M | 72.0% | |
| Commercial & industrial | $7.69M | 6.5% | |
| Consumer / individual | $9.93M | 8.4% | |
| Construction & development | $2.96M | 2.5% | |
| Agricultural | $15.34M | 13.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $124.67M | $110.26M | $624.00K | $13.21M |
| Jun 2023 | $127.74M | $111.70M | $1.09M | $14.64M |
| Jun 2024 | $122.57M | $106.49M | $1.07M | $13.46M |
| Jun 2025 | $179.25M | $154.64M | $1.70M | $22.66M |
| Jun 2026 | $193.86M | $167.36M | $1.60M | $24.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $167.36M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $167.36M.
Similar-sized banks
The Farmers State Bank ($193.95M) · Peoples Bank ($193.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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