BlastPoint's Banking Scorecard

Libertyville Bank & Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 34073

Libertyville, IL

8 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +13.1% year over year ($2.9B on the books).
Delinquency rate 0.40%.
Return on assets 1.50%.
Efficiency ratio 33.42% vs a 59.73% peer average.
Loan-to-deposit ratio 85.76% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Libertyville Bank & Trust Company, National Association has 3 strengths but faces 2 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

+ Efficiency Ratio 26.31% below tier average
+ ROA 0.11% above tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 61.2% in tier
- Net Interest Margin 0.46% below tier average

Get updates when Libertyville Bank & Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.3B +11.9% YoY +5.8% QoQ	+$545.5M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$2.4B +8.2% YoY +2.3% QoQ	+$485.6M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$2.9B +13.1% YoY +7.2% QoQ	+$536.5M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.50% -11.9% YoY +2.1% QoQ	+0.11%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.41% -0.1% YoY -1.1% QoQ	-0.46%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	33.42% -4.0% YoY -1.2% QoQ	-26.31%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 3.5% in tier
Delinquency Rate ?	0.40% -22.7% YoY -9.0% QoQ	-0.47%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	85.76% -4.3% YoY -4.6% QoQ	+0.73%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	54%
Non-Interest-Bearing Deposit Share ?	15.67% -4.8% YoY -8.5% QoQ	-5.60%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	0.31% -24.6% YoY -11.7% QoQ	-0.37%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	10.88% -2.7% YoY -6.1% QoQ	-3.96%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.16% +18.4% YoY +107.8% QoQ	-0.36%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	23%

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	15.7% -0.8pp YoY -1.5pp QoQ	-5.7pp	21.4%	20.1%	22.2%	30%
Brokered Deposits	13.5% +2.3pp YoY +0.2pp QoQ	+4.0pp	9.5%	8.0%	8.5%	78%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	42.4% -0.3pp YoY +1.7pp QoQ	+28.4pp	14.0%	14.7%	12.5%	96%
CRE	29.1% -1.0pp YoY -0.6pp QoQ	-21.0pp	50.0%	37.9%	41.4%	11%
1-4 Family	9.5% 0.0pp YoY -0.5pp QoQ	-16.9pp	26.4%	28.3%	31.3%	15%
Consumer	13.2% -1.9pp YoY -0.7pp QoQ	+8.5pp	4.7%	5.4%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.9% -0.3pp YoY -0.7pp QoQ	-4.7pp	15.6%	19.9%	19.7%	8%
Leverage Ratio	9.2% -0.3pp YoY -0.5pp QoQ	-2.1pp	11.3%	12.2%	12.6%	16%
Total Capital Ratio	11.8% -0.1pp YoY -0.6pp QoQ	-4.9pp	16.7%	20.9%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	86 -7 (-7.5%) YoY +2 (+2.4%) QoQ	-228	313	228	482	4%
Assets per Employee ($)	$38.8M +21.0% YoY +3.4% QoQ	+$28.3M	$10.5M	$8.3M	$8.8M	99%
Branch Count	8 0 YoY 0 QoQ	-12	20	10	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	52%
Nonaccrual	0.4% -0.1pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.1%	1.0%	37%
Allowance Coverage	2.31x +60.7% YoY +18.5% QoQ	-16.40x	18.71x	5.62x	20.23x	54%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	16.8% -2.4pp YoY +0.8pp QoQ	+4.2pp	12.6%	10.5%	11.6%	82%
Cost of Funds (YTD)	2.0% -0.4pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.6%	1.7%	59%
Net Income ($, YTD)	$24.1M -0.6% YoY — QoQ	+$4.8M	$19.2M	$11.7M	$40.4M	76%

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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 (1)

Margin Compression

decline

#53 of 85 • Bottom 61.2% 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: 1.50%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 33.42%

Peer Median: 59.73%

#32 of 885 Top 3.5% in $1B-$10B

217

Total Deposits

size

Value: $2.86B

Peer Median: $2.32B

#217 of 885 Top 24.4% in $1B-$10B

218

Total Loans

size

Value: $2.45B

Peer Median: $1.96B

#218 of 885 Top 24.5% in $1B-$10B

222

Total Assets

size

Value: $3.34B

Peer Median: $2.79B

#222 of 885 Top 25.0% in $1B-$10B

Top Weaknesses (2 metrics)

742

Tier 1 Capital Ratio

capital

Value: 10.88%

Peer Median: 14.84%

#742 of 885 Bottom 16.3% in $1B-$10B

682

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#682 of 885 Bottom 23.1% in $1B-$10B