Libertyville Bank & Trust Company
Libertyville Bank & Trust Company reported total assets of $3.3 bn at Q2 2026, up 11.9% on a year earlier, the 377th largest of 497 banks in our US coverage. The CET1 capital ratio at Libertyville Bank & Trust Company was 10.88%, and the uninsured share of Libertyville Bank & Trust Company was 28.67%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Libertyville Bank & Trust Company climbed from 242nd to 143rd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Libertyville Bank & Trust Company reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 33.42% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- The common equity tier 1 (CET1) ratio of Libertyville Bank & Trust Company, 10.88% at , places Libertyville Bank & Trust Company in the bottom tenth of banks of $1 bn to $10 bn (group median 13.22%; FDIC Call Reports).
What sets Libertyville Bank & Trust Company apart
How large is Libertyville Bank & Trust Company?
The balance sheet of Libertyville Bank & Trust Company at : assets $3.3 bn, deposits $2.9 bn, net loans $2.4 bn (loans equal to 85.76% of deposits). Securities make up 19.4% of total assets at Libertyville Bank & Trust Company. Since , when Libertyville Bank & Trust Company held $1.2 bn, its assets grew 172.3%. In the year to , deposits at Libertyville Bank & Trust Company rose 13.1% while its total assets rose 11.9%. At , Libertyville Bank & Trust Company employed 86 full-time equivalent staff across 8 offices, about $38.8 mn of assets per employee and $356.9 mn of deposits per office.
How much funding at Libertyville Bank & Trust Company is uninsured?
At Libertyville Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 28.67% of domestic deposits at (+0.65 pp on a year earlier); Libertyville Bank & Trust Company ranks 335th of 500 on this measure. In dollars, Libertyville Bank & Trust Company estimated $818.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.9 bn | +13.1% | 373rd of 499 |
| Net loans and leases | $2.4 bn | +8.2% | 374th of 500 |
| Loan-to-deposit ratio | 85.76% | -3.88 pp | 269th of 500 |
| Tier 1 leverage ratio | 9.19% | -0.33 pp | 410th of 500 |
| Total risk-based capital ratio | 11.81% | -0.10 pp | 423rd of 448 |
| Net interest margin | 3.41% | 0.00 pp | 315th of 500 |
| Return on assets (ROA) | 1.50% | -0.20 pp | 153rd of 500 |
| Efficiency ratio | 33.42% | -1.40 pp | 32nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $39.5 mn | Narrowed by $3.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.8 mn | Narrowed by $967,000 | |
| Noncurrent loans to total loans | 0.39% | -0.12 pp | 143rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | +0.02 pp | 198th of 500 (1 = lowest) |
US rank of Libertyville Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Libertyville Bank & Trust Company: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.9bn
- Net loans $2.4bn
Capital and securities
The CET1 ratio of Libertyville Bank & Trust Company stood at 10.88% in , -0.29 pp year on year. Low and high at Libertyville Bank & Trust Company since : 10.47% () to 11.82% (). Equity capital of Libertyville Bank & Trust Company at : $283.9 mn, or 8.5% of total assets. Libertyville Bank & Trust Company also reported a total capital ratio of 11.81% for , and a tier 1 leverage ratio of 9.19%.
On held-to-maturity securities, Libertyville Bank & Trust Company carried an unrealized loss of $39.5 mn at , equal to 13.9% of equity capital. The loss narrowed by $3.9 mn over the year. Its deepest point: $56.5 mn in . The available-for-sale portfolio of Libertyville Bank & Trust Company showed an unrealized loss of $24.8 mn at ; the loss narrowed by $967,000 over the year.
Libertyville Bank & Trust Company: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.2%
Libertyville Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$25mn
- Held to maturity -$39mn
Profitability and loan quality
For the year to , Libertyville Bank & Trust Company earned a return on equity of 16.75%; return on assets: 1.50%. Net interest margin at Libertyville Bank & Trust Company: 3.41%, 0.00 pp in a year. Libertyville Bank & Trust Company net income: $24.1 mn, down 0.6% year on year. The efficiency ratio of Libertyville Bank & Trust Company was 33.42%: about 33 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.39% of total loans at Libertyville Bank & Trust Company; net charge-offs: 0.05% of average loans. Gross loans and leases at Libertyville Bank & Trust Company: $2.5 bn, up 8.4% in a year.
Libertyville Bank & Trust Company: profitability
- Return on equity 17%
- Net interest margin 3.4%
- Return on assets 1.5%
Peer group of Libertyville Bank & Trust Company
The peer group of Libertyville Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Libertyville Bank & Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, Libertyville Bank & Trust Company shows CET1 ratio 10.88% against a peer median of 15.30%, return on equity 16.75% against a peer median of 13.29% and uninsured deposit share 28.67% against a peer median of 30.04%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Northern Bank & Trust Company | State nonmember bank | MA | $3.4 bn | 15.30% | 13.22% | 33.00% | |
| Banterra Bank | State nonmember bank | IL | $3.4 bn | 9.85% | 13.79% | 19.06% | |
| Lake Ridge Bank | State nonmember bank | WI | $3.4 bn | 11.97% | 10.11% | 29.38% | |
| Libertyville Bank & Trust Company | National bank | IL | $3.3 bn | 10.88% | 16.75% | 28.67% | |
| Austin Bank, Texas | National bank | TX | $3.3 bn | not reported | 13.87% | 26.04% | |
| TruNorth Bank | State member bank | MA | $3.3 bn | 15.98% | 7.15% | 30.70% | |
| Red River Bank | State nonmember bank | LA | $3.3 bn | 17.32% | 13.35% | 31.72% | |
. FDIC Call Reports.
Last eight quarters
Two years at Libertyville Bank & Trust Company, to : assets +24.1%, deposits +27.9%, equity +9.4%. Staff 84 to 86.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.7 bn | $2.7 bn | $2.8 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.3 bn |
| Total deposits | $2.2 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.9 bn |
| Bank equity capital | $259.6 mn | $240.4 mn | $251.4 mn | $265.2 mn | $271.4 mn | $284.7 mn | $292.8 mn | $283.9 mn |
| CET1 ratio | 11.69% | 11.05% | 10.91% | 11.17% | 11.01% | 11.23% | 11.58% | 10.88% |
| Return on equity (ROE) | 18.65% | 18.46% | 18.61% | 19.19% | 19.07% | 18.55% | 15.99% | 16.75% |
| Uninsured share of domestic deposits | 29.09% | 27.92% | 24.61% | 28.02% | 29.33% | 27.07% | 26.48% | 28.67% |
| Full-time equivalent employees | 84 | 87 | 87 | 93 | 90 | 87 | 84 | 86 |
| Number of offices | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Libertyville Bank & Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Libertyville Bank & Trust Company?
Libertyville Bank & Trust Company reported $3.3 bn at in its Call Report. That makes Libertyville Bank & Trust Company the 377th largest of 497 banks in our US coverage.
Is Libertyville Bank & Trust Company the same as its holding company?
No. This page covers Libertyville Bank & Trust Company, FDIC certificate 34073; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Libertyville Bank & Trust Company profitable?
Libertyville Bank & Trust Company reported net income of $24.1 mn for the year to ; annualized return on equity: 16.75%. So yes: Libertyville Bank & Trust Company made a profit over these months.
When is data for Libertyville Bank & Trust Company next updated?
Figures from Libertyville Bank & Trust Company for are due after .
Where can I check the figures for Libertyville Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 34073, and in the Call Reports of Libertyville Bank & Trust Company (RSSD ID 2339795) at the FFIEC Central Data Repository.