BlastPoint's Banking Scorecard

Liberty Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11719

Liberty, IL

6 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +8.2% year over year ($167.4M on the books).
Delinquency rate 0.14%.
Return on assets 1.67%.
Efficiency ratio 48.48% vs a 64.48% peer average.
Loan-to-deposit ratio 70.46% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Liberty Bank has 4 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.35% above tier average
+ Net Interest Margin 0.66% above tier average
+ Efficiency Ratio 16.00% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 6.5% in tier
- Credit Quality Pressure: Bottom 9.9% in tier
- Liquidity Overhang: Bottom 48.6% in tier
- Margin Compression: Bottom 70.4% in tier
- Non-Interest Income / Assets 0.50% below tier average

Get updates when Liberty Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$193.9M +8.2% YoY +0.8% QoQ	-$192.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$117.9M +0.4% YoY +3.4% QoQ	-$140.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$167.4M +8.2% YoY +0.8% QoQ	-$159.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	1.67% -12.4% YoY +3.9% QoQ	+0.35%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	4.65% -0.4% YoY +4.6% QoQ	+0.66%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	48.48% +12.6% YoY -1.6% QoQ	-16.00%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 13.9% in tier
Delinquency Rate ?	0.14% +21.4% YoY +39.0% QoQ	-0.78%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	70.46% -7.2% YoY +2.5% QoQ	-7.49%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	24.05% +2.8% YoY +1.8% QoQ	+2.02%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.08% +12.8% YoY +42.7% QoQ	-0.59%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	20.76% +11.9% YoY +0.3% QoQ	+4.85%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 12.2% in tier
Non-Interest Income / Assets ?	0.07% -54.1% YoY +40.3% QoQ	-0.50%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 9.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	24.0% +0.6pp YoY +0.4pp QoQ	+1.9pp	22.1%	20.1%	22.2%	62%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	6.5% -0.1pp YoY -0.3pp QoQ	-5.0pp	11.6%	14.7%	12.5%	29%
CRE	10.4% 0.0pp YoY -1.2pp QoQ	-29.1pp	39.5%	37.9%	41.4%	5%
1-4 Family	39.4% +2.4pp YoY +1.3pp QoQ	+6.8pp	32.6%	28.3%	31.3%	69%
Consumer	8.4% +0.2pp YoY +0.2pp QoQ	+4.3pp	4.1%	5.4%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	20.8% +2.2pp YoY +0.1pp QoQ	+1.9pp	18.8%	19.9%	19.7%	80%
Leverage Ratio	12.2% -3.1pp YoY +0.1pp QoQ	0.0pp	12.2%	12.2%	12.6%	67%
Total Capital Ratio	21.6% +2.2pp YoY 0.0pp QoQ	+1.7pp	19.9%	20.9%	20.8%	79%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	38 +5 (+15.2%) YoY +3 (+8.6%) QoQ	-21	58	228	482	39%
Assets per Employee ($)	$5.1M -6.1% YoY -7.2% QoQ	-$2.4M	$7.5M	$8.3M	$8.8M	16%
Branch Count	6 0 YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	57%
Nonaccrual	n/a	n/a	0.9%	1.1%	1.0%	n/a
Allowance Coverage	5.88x -20.8% YoY -31.7% QoQ	-18.28x	24.15x	5.62x	20.23x	73%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.2% -3.1pp YoY +0.5pp QoQ	+1.0pp	12.2%	10.5%	11.6%	57%
Cost of Funds (YTD)	1.3% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	25%
Net Income ($, YTD)	$1.6M -6.1% YoY — QoQ	-$957K	$2.6M	$11.7M	$40.4M	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Cost Spiral

risk

#10 of 138 • Bottom 6.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 48.48%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Credit Quality Pressure

risk

#125 of 1256 • Bottom 9.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#362 of 742 • Bottom 48.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.76%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 70.46%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Margin Compression

decline

#217 of 307 • Bottom 70.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.67%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

323

Tier 1 Capital Ratio

capital

Value: 20.76%

Peer Median: 15.91%

#323 of 2643 Top 12.2% in $100M-$1B

368

Efficiency Ratio

profitability

Value: 48.48%

Peer Median: 64.48%

#368 of 2643 Top 13.9% in $100M-$1B

424

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.99%

#424 of 2643 Top 16.0% in $100M-$1B

Top Weaknesses (2 metrics)

2402

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2402 of 2643 Bottom 9.2% in $100M-$1B

1994

Total Loans

size

Value: $117.92M

Peer Median: $258.35M

#1994 of 2643 Bottom 24.6% in $100M-$1B