BlastPoint's Banking Scorecard
Libertyville Bank & Trust Company, National Association
Libertyville, IL
8 branches across IL
Libertyville Bank & Trust Company, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.23% below tier average
- + ROA 0.10% above tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 61.9% in tier
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+10.9% YoY
+0.6% QoQ
|
+$338.6M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$2.4B
+8.4% YoY
+0.6% QoQ
|
+$428.3M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$2.7B
+11.2% YoY
+0.4% QoQ
|
+$320.1M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
1.47%
-10.9% YoY
-10.9% QoQ
|
+0.10% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.45%
+1.0% YoY
+0.7% QoQ
|
-0.37% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
33.83%
-3.0% YoY
-2.1% QoQ
|
-27.23% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 3.6% in tier |
| Delinquency Rate ? |
0.43%
-24.3% YoY
-13.9% QoQ
|
-0.45% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
89.85%
-2.5% YoY
+0.2% QoQ
|
+5.65% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
17.13%
+2.5% YoY
+9.1% QoQ
|
-4.16% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.35%
-25.4% YoY
-13.4% QoQ
|
-0.33% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
11.58%
+6.2% YoY
+3.1% QoQ
|
-3.58% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.08%
+23.0% YoY
-74.2% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
23% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.