BlastPoint's Banking Scorecard

Liberty Bank for Savings

$100M-$1B Specialty: Mortgage IL FDIC cert 29009

Designations: ✓ Mutual

Chicago, IL

5 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Liberty Bank for Savings has 1 strength 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

+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.1% in tier
- Flatlined Growth: Bottom 7.0% in tier
- Net Interest Margin 1.13% below tier average
- ROA 0.83% below tier average
- Efficiency Ratio 17.71% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$857.6M +0.0% YoY +0.2% QoQ	+$471.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 5.4% in tier
Total Loans ?	$545.5M -1.9% YoY -1.2% QoQ	+$289.8M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 8.2% in tier
Total Deposits ?	$646.4M -0.9% YoY +0.3% QoQ	+$318.5M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 9.8% in tier
Return on Assets ?	0.44% +226.8% YoY +47.5% QoQ	-0.83%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 11.6% in tier
Net Interest Margin ?	2.80% +18.4% YoY +10.7% QoQ	-1.13%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 6.8% in tier
Efficiency Ratio ?	83.00% -10.2% YoY -3.7% QoQ	+17.71%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 12.1% in tier
Delinquency Rate ?	0.03% -72.7% YoY +19.7% QoQ	-0.86%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	84.39% -1.1% YoY -1.4% QoQ	+7.75%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	10.31% -0.1% YoY -1.9% QoQ	-11.71%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 11.5% in tier
Nonperforming Asset Ratio ?	0.02% -73.3% YoY +18.1% QoQ	-0.62%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	60.27% +20.2% YoY +2.7% QoQ	+44.44%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 0.6% in tier
Non-Interest Income / Assets ?	0.06% +13.5% YoY -76.8% QoQ	-0.22%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	28%

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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 (2)

Liquidity Overhang

risk

#46 of 739 • Bottom 6.1% 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: 60.27%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 84.39%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#37 of 512 • Bottom 7.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.44%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Tier 1 Capital Ratio

capital

Value: 60.27%

Peer Median: 15.83%

#17 of 2664 Top 0.6% in $100M-$1B

145

Total Assets

size

Value: $857.59M

Peer Median: $386.08M

#145 of 2664 Top 5.4% in $100M-$1B

220

Total Loans

size

Value: $545.55M

Peer Median: $255.72M

#220 of 2664 Top 8.2% in $100M-$1B

263

Total Deposits

size

Value: $646.44M

Peer Median: $327.97M

#263 of 2664 Top 9.8% in $100M-$1B

428

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#428 of 2664 Top 16.0% in $100M-$1B

454

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#454 of 2654 Top 17.1% in $100M-$1B

Top Weaknesses (4 metrics)

2484

Net Interest Margin

profitability

Value: 2.80%

Peer Median: 3.93%

#2484 of 2664 Bottom 6.8% in $100M-$1B

2358

Non-Interest-Bearing Deposit Share

funding

Value: 10.31%

Peer Median: 22.02%

#2358 of 2664 Bottom 11.5% in $100M-$1B

2355

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.27%

#2355 of 2664 Bottom 11.6% in $100M-$1B

2342

Efficiency Ratio

profitability

Value: 83.00%

Peer Median: 65.29%

#2342 of 2664 Bottom 12.1% in $100M-$1B