# LIBERTY BANK
LIBERTY, IL · FDIC certificate 11719 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $193.9M | |
| Deposits | $167.4M | |
| Loans and leases | $118.9M | |
| Total equity | $24.6M | |
| Loans / deposits | 70.46% (p45 of band) | 73.59% |
| Liquid assets / assets | 34.02% (p53 of band) | |
| Uninsured deposits / deposits | 10.13% (p14 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.21% (p55 of band) | 11.76% |
| Unrealized securities loss / equity | -6.05% (p53 of band) | -6.57% |
| AOCI / equity | -1.56% (p17 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 4.65% (p81 of band) | 3.93% |
| Efficiency ratio | 48.48% (p12 of band) | |
| Noncurrent loans | 0.14% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p69 of band) | |
| Reserve coverage of noncurrent | 587.58% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 12.03% (p41 of band) | |
| Auto loans | $7.4M (6.23% of loans; DQ 0.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 1 |  | noncurrent p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | noncurrent p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2020-03 | 1 |  | capital falling, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 3 | reserve under noncurrent |  |
| 2021-09 | 1 |  | capital falling, reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-31 [Lisa Seals retires from North Adams State Bank/Liberty Bank - Muddy River News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQWnFfOVlFYkFMQlIzUENXa0dOaUJOMWNhbUVJS1pfQ0pTQk53Q092ZzJBTHRuZlMxaWNxV0hKcVBrMWNVZVd2ckE5U3VCUzhvNFE0YW53RFo4Wm9vTm1pRkVtemtHd0RCZ3RXTk83YUtySTBzZ18wWE9FRkFicTQwMWp4dnlpekYxUUoyaW16dC1scHk1RVFRU3JuNnFCZGlvakpYZmV1Y3QzbndyWHVFQ3EzLUMwOVYwZEdVR3VCdGQ?oc=5) · Muddy River News
- 2026-02-21 [Liberty Bank Announces Jared Siebert as Market President - RiverBender.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNOWE5V1hHeWxFMTZURm5PRjBNSkpIQ1lVQzRoRXRMZmRMeE02SzdPZzRfaV9IRDZKUzhvY3EwM3hSN1RlZ0pqNE45c3RicWhkQ2dhb0I2bDRGclRhNjNwdjdYQnQ1b21hTlpkSTVLU2w3bTRXb1JQU0lBUkhJN180clhSdG90MXpJdGlObFRpNGV0dzZ1X2NQZUFVcVhqSmlzSno2QklVYmlYUVU?oc=5) · RiverBender.com
- 2026-04-13 [Zuk to buy Californian bank for AI overhaul - Globes - Israel Business News](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdmQ0VndFSzhMRHFvRUV2NEtOU1lxNWI2QmZnb0I4bXI3ZFVrdmlEeHo3bWlBbFpqNWltVEc2ZmdmMEtKYVRJM2RsN3phcUpwRy1FTFYwdlN4R2FTYzRmU0ttOHNIRmNQTTIzc09vUThzRHluSGZ2bmNlWlIzNHNpbFBkUFhiaUZ1TU9ZNERFMWVnS3c?oc=5) · Globes - Israel Business News
- 2024-11-21 [Meridian Health Plan of Illinois and Liberty Bank and Trust Partner to Create Small Business Loan Program to Support and Empower Diverse and Small Businesses in Illinois - Centene Corporation](https://news.google.com/rss/articles/CBMitAJBVV95cUxNdjRsNDhabGRRRUtYOUdfZ1dMbWF5NjV3SnZ2bUNSMnlleEs0dldjdE5wdU5YZ2RtSnJwRmEwSE4yNDE4XzQzend5NHUtR09tdVhOUnpzSXZGdFNMTkNlZ0J6dGIzcUd3TjFqemMybUREYTExYmtvZ2R4a0ZWWVRRTkJyblQ2Sk1jcmVTWnlobHA5UDMxQ2h5MTUtM3VrYlVjcHJsbGNTd0NoaFlWMWxERWpIdC1leFBmai1scWhBS2hoWkdYaGJrbVJSU2h1SkNPaHc0dlJjZUxHSVUxVmlkalhqbTZZbi1rR0wwTXc5eDl2WkJlcm5IZHVzeWZBUG8xamh4bUg0eEtWY1JzcFp4WnlYVTc0RHFkVzB4SGhvcDVNbjlUUG5Gc2c1amRMN3djT3hFYg?oc=5) · Centene Corporation
- 2021-10-07 [Liberty Bank’s Tri-State acquisition to form largest Black-owned bank in US - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxQQkVPMVAyNW15T3h4enNEa0xvUWRVMk5uOHJna2pIdW5CWVBwRnd5dU9pMkZMbzY2MFJmYXhjajFSZDlEQ25BdDdVOGpNSk4wMzZzZFJ5WXhGdzdOcXEyMFcxSEhpSnczWEFWMzBQSUhpYlZFSjh6TFgtWW9uU0NiVVhpZ1NNcV9Hc3FmVEtBRjc4bV9PLW5SLWxtb0ZxNVVHU1NTUWMxQU9rT0pVaWVTTldLbExxUQ?oc=5) · Banking Dive
- 2024-05-04 [Reparations Committee partners with Black-owned Liberty Bank - Evanston RoundTable](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPeDQxRWFFVndoQ1JUekhXeDdzdEt3UlVJcDhpT2NWc011a2N3WjI2UThkdW5QNnB3Sm1ERll1Y1VCRTVzVjhsWmhMd3c0N3p4dURQVG1ydWF6RFJFT1l4TXl3djNCMGpEcmVsWkpOZWotOGljVFBEYVlSV0o1SkVNamtpMDNIcEZIbGlmeWlzeFAwLVR5bFNjeWtmMEFCYUt5aDQtSkYzY2ZvUQ?oc=5) · Evanston RoundTable
- 2023-04-21 [Liberty Bank Launches Small Business Digital Initiative - CBIA](https://news.google.com/rss/articles/CBMickFVX3lxTE9kemFGaEFLS2Rrem80VnNjN0EtMGhtZ0ZCNFpyckI5SzFpaDd6UGRlMlQxUXFoczVtVmpYelB3NTBYMHJwVEtWc2l2eWNfbHNEZzFRQXdjZ1dvUDliUjh5SzFfS1JRamVOQ1BmbHVHRlFIUQ?oc=5) · CBIA
- 2026-06-30 [Palo Alto founder Nir Zuk clears key regulatory hurdle to become major shareholder in U.S. Liberty Bank - calcalistech.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBFNWIyczYzcGtSYXZUM0xZanowQ0J3dm1nYXhEcUEzLTBOWkliU0J4cWJzSkN5QnRQV3laRlU2QjQ4dHktTjFGdWlyYk45aTFJMjROU1U4M1pQX19CY2FiX0lEcmZSc2s?oc=5) · calcalistech.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11719 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "11719", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide