# LIBERTYVILLE SAVINGS BANK
FAIRFIELD, IA · FDIC certificate 13712 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $384.1M | |
| Deposits | $299.1M | |
| Loans and leases | $227.7M | |
| Total equity | $44.5M | |
| Loans / deposits | 75.27% (p36 of band) | 82.04% |
| Liquid assets / assets | 35.55% (p76 of band) | |
| Uninsured deposits / deposits | 18.56% (p23 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.15% (p77 of band) | |
| FHLB advances / assets | 10.15% | |
| Tier 1 leverage | 11.04% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -4.72% (p64 of band) | -8.10% |
| AOCI / equity | 0.55% (p92 of band) | |
| ROA (annualized) | 1.49% (p64 of band) | 1.28% |
| Net interest margin | 4.30% (p72 of band) | 3.91% |
| Efficiency ratio | 62.10% (p53 of band) | |
| Noncurrent loans | 0.90% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p76 of band) | |
| Reserve coverage of noncurrent | 125.21% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 5.12% (p9 of band) | |
| Auto loans | $2.1M (0.92% of loans; DQ 2.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 48 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 0 |  | capital falling, charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | deposits shrinking |  |
| 2017-03 | 1 | reserve under noncurrent | deposits shrinking |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | capital falling, reserve under noncurrent |  |
| 2019-12 | 2 | uninsured deposits leaving | capital falling |
| 2020-03 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling, losing money | AOCI drag >20% of equity |
| 2023-06 | 0 |  | capital falling, losing money |
| 2023-09 | 3 | securities losses >30% of equity, deposits shrinking, assets shrinking |  |
| 2023-12 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 2 |  | uninsured deposits leaving, losing money |
| 2024-09 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | capital falling, reserve under noncurrent |  |
| 2025-06 | 3 | noncurrent p90 | capital falling |
| 2025-09 | 2 |  | noncurrent p90 |
| 2025-12 | 1 |  | reserve under noncurrent |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2020-09-13 [Libertyville Savings Bank works hard to create small-town feel - The Des Moines Register](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQVXZkS3NPNl9QdzVkWGZ1T2tQWUQzQmdRck4weU1VSWRPeVhRRGRCRTFQaWZmRlRzTWQ3WU54YkxFODAyN05IRnZNek9IRVFHclE1OGx5dzVrcHlDcWZXMG5LMlFEODlrWDJaY1Z0RUxKc29tRmpyS1gxeVczdDRjZnc2VFY5Yl80NWduSEdXTmRNN3FYR1p4b2JMcFVpa1ZrNmRteE5oVllfUC04bXJ1U1dIY21pQzRmdVpKUlZ2dmhmQjhOMzZaUlBrNjJ1NnAzODNv?oc=5) · The Des Moines Register
- 2023-09-18 [Relatable staff helps Libertyville Savings feel like more than just a bank - The Des Moines Register](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNUTFFSlBpZ1UxaFFkWFctRHBDcmZCSzRnSWJzWFlVNjByM1pvazAxX2xFYW1OdzdLNG1mamxkZkk3UFVjRVhmVWplRHItSkNacjNGcHBLcmVzNFNaTVREMjVIMDF0T2xjSnNuaF9MZ3R4NmZ6UXBhR19qQW5FeV95WDJpSUYzZGhmS1NPZUZnSXpIZEUxeGNINlBVb29QcEJGeWpJWTkwVTZabkllTHgwUjJMa0FLMTY2NnlkZUNQRkJNZURrUERpUEtqTDlvS1JNWEJr?oc=5) · The Des Moines Register
- 2023-10-28 [Robert B. Stump Obituary Oct 28, 2023 - Behner Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5UYk40RUxILWpYNHgxLWtRdmw2YkN0SGJ2bDBIWUNxcXh4bGExTGE4VHlTdkZjUjVvSFJWZFdvYkhVY1JYc21PMU5KN1laZDhuYW1ReFFfWG9zWHhq?oc=5) · Behner Funeral Home & Crematory
- 2020-06-18 [Aaron Ross Greiner Obituary Jun 18, 2020 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFBWN2ZES0FoQnhBV0twU3luXzlZUy1wMF95YzJkOFVab2U1WmZuTE4ybDN4X1BiY1Njc1lkbkRKMXZuMTNScnNwSkJvZVJaaXRXRnJMUTFWRmt4bjlSVm1xQlVoSXJxc1RDSWxDSEZVblp5QQ?oc=5) · Powell Funeral Homes
- 2018-10-16 [Sandra Mae Stump Obituary Oct 16, 2018 - Behner Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1ZallsS3NTaXRzT2pJQ18wOWE3cldiYVl6MnpLTE5zRGI4ei1mWkRxLVNpOVlrUzBYS2stM3A1Ri1FWEg1OFV1cXhtSDM2b3Nfd1hRWEJTUXB4SXJF?oc=5) · Behner Funeral Home & Crematory
- 2022-01-15 [Robert Stump Obituary (1973 - 2022) - Burlington, IA - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNZlI2eDhDMF9CUlk5NkNrdFFZWnU2YlpYUlpLQWViOFpQdGxhRXBfTHFEVENHbEhYc1pDaWlvaDVPcjUxOTIxWmRaNm94bmJpR0dLSU9nSFVlYk5HeDkxbzY2NWZTTFNWRmxoSW5kQ2RaSHlGSUNqd25jMkFnVUswVktVRHlObFRJbTMtNHhCWQ?oc=5) · legacy.com
- 2019-08-11 [Herbert Lee Burnett Obituary Aug 11, 2019 - Behner Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBsQ051RjF0dzlYSHBlTjRKNmJBWnVlanBTV0JfZzhvbmo5LTJadFRxdHlmbUVlWnBnWm1vbTk3Yk4tUmpUcHFMdGZnYlBDMmUyaDY5VkVnVkFxeWVmMEx2TQ?oc=5) · Behner Funeral Home & Crematory
- 2025-10-01 [The results are in; see Iowa's Top Workplaces for 2025 - The Des Moines Register](https://news.google.com/rss/articles/CBMipwFBVV95cUxPSUdWQWw1cjNobGJkUG9rTzdNZlpfNFREbkpsVnh4eEpjLWVEZWlaZ3ZmLWhROFJ6UFV6WnFGVFBDaGYtR1VzSXZxekNGQzd3c3dzcTBYaTExY3gxcWRTX1ZyUlo4SVUtb3dOTlBaOHNZS0owMWtFbVdTbVUzMG5WUmZuaWhCQVhYV1B6SGlwQnNWZk8ycEpvdnBXSlBtMTRWNEdMeW9MTQ?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13712 (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/16.json (key "13712", 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.

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