BlastPoint's Banking Scorecard
Liberty Bank
Liberty, IL
6 branches across IL
Liberty Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.52% above tier average
- + Efficiency Ratio 16.02% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.4M
+43.1% YoY
+3.2% QoQ
|
-$193.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$114.1M
+20.6% YoY
-1.3% QoQ
|
-$141.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$166.0M
+40.5% YoY
+3.4% QoQ
|
-$162.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.61%
-5.9% YoY
-1.8% QoQ
|
+0.34% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
4.45%
+0.5% YoY
-8.4% QoQ
|
+0.52% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
49.27%
+7.8% YoY
-2.5% QoQ
|
-16.02% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 14.7% in tier |
| Delinquency Rate ? |
0.10%
+181.4% YoY
+233.7% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
68.71%
-14.2% YoY
-4.5% QoQ
|
-7.93% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
23.62%
+5.5% YoY
+4.2% QoQ
|
+1.60% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.06%
+137.2% YoY
+219.3% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
20.71%
+15.3% YoY
+5.1% QoQ
|
+4.88% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 12.0% in tier |
| Non-Interest Income / Assets ? |
0.05%
-21.6% YoY
-83.2% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.