# LIBERTY BANK FOR SAVINGS
CHICAGO, IL · FDIC certificate 29009 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $868.6M | |
| Deposits | $656.8M | |
| Loans and leases | $542.6M | |
| Total equity | $203.2M | |
| Loans / deposits | 82.18% (p50 of band) | 82.04% |
| Liquid assets / assets | 34.87% (p75 of band) | |
| Uninsured deposits / deposits | 6.80% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 24.01% (p98 of band) | 10.81% |
| Unrealized securities loss / equity | -6.91% (p54 of band) | -8.10% |
| AOCI / equity | -0.69% (p34 of band) | |
| ROA (annualized) | 0.41% (p9 of band) | 1.28% |
| Net interest margin | 2.74% (p6 of band) | 3.91% |
| Efficiency ratio | 82.63% (p91 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 1432.14% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## 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 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 2 | NIM <2.5% | noncurrent p90 |
| 2013-09 | 1 |  | NIM <2.5% |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 1 |  | noncurrent p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | NIM <2.5% |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 1 |  | NIM <2.5%, capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | NIM <2.5% |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | capital falling, reserve under noncurrent |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | expense ratio p90 | reserve under noncurrent |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | deposits shrinking |  |
| 2023-06 | 2 |  | deposits shrinking |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | NIM <2.5% |
| 2026-03 | 0 |  | expense ratio p90 |
| 2026-06 | 1 | expense ratio p90 |  |

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

- 2024-07-11 [20 community banks with the largest first mortgage loan portfolios - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxNLVhRMW03dUx2ZHd6RDJ6R2NhaS1FZl9VLV92RnI0bkttTlFiS214UHQ1RnUzLWZXX1l6Z3Ixalg2bXRhWWRUdDk0cFdra2dJbjI5eW9fRjZIV19ZVFQ3RnVwcG9CY3JJYno0Z09rMTg1V19ZbzRSSThvdjdPazhoeVFkNS0tZEUyaDU0R2FtRDBaMWdteEpGb2NuOHVpcFlWRUJnVw?oc=5) · American Banker
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Illinois - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcmxtWHBLTjFUTXlzd2Z4OFNTQngzOU0zNnRGSVNfS3JTWUVrajczNHZmMzVzVDN0eHpoZ05aOTE3M1FSQ3FjQlNBMUYzLWdkWi1Fc0RVOTNzaGY3MlNVaUpPZm5QNVVLcXNweXV6a1diV1daaVdCV1FHa3YzeEd5dkFRNk0wbVRkemtFTlU4aw?oc=5) · Newsweek Rankings
- 2024-09-03 [Best Banks in Chicago - GOBankingRates](https://news.google.com/rss/articles/CBMidkFVX3lxTE1pTDZyTTEzb1c3UWlWZG4yQmZvTnRhWDJmSXVJdVBzRFppUmRUa0NCNE4zN25FNW55NFFCUzdNNHFMRmhzMHM2eW1SeVI5VlBuc0doZXZJNWhpLWp6MjVCcFV0ZzRCUUtkaUNoN3R4QTI3aUs3N1HSAccBQVVfeXFMTl9RV0pFX0JQWFBqWVBSVDV1dU5uS2hxUFJIYUdDTTZ6cjhhVDVyakpPVlpHNDNVRzlnNlZjNVExdDFQNzJyT1lxMGo0SkZTeVlkNnlSQnZOSkx0Y1hXZnRjTGdiYUgyVXZaeEU2TG1PN0c5b0YyVDdMcU9rRXB1eG9YcC1CTHM0bl9sRkxrTnY1cmVaQUNXSTIzaDd0YnZQTDhhbzBtQW9IM0xaanQ4c3N6UTV6dEoxTTFUTllpTktVUkNCNzRlYw?oc=5) · GOBankingRates
- 2007-08-09 [Between the Boulevards - Chicago Reader](https://news.google.com/rss/articles/CBMib0FVX3lxTE1PdFkxcXVjQXd4MFh5V19qVkNqT2lsZ2RBWnoxS0hNVlRzRC0xWUpPRmpKay1lSmptang4TEtxdk80empWN3c3cVVETTltdW1JMlhJYnpvMHh0bjl3ekF5Z01JMEZ3andPb0xST1lXcw?oc=5) · Chicago Reader
- 2024-06-08 [Robert Cannell Obituary - IL - Chicago Tribune](https://news.google.com/rss/articles/CBMib0FVX3lxTE1zY0hIdV9ydmUwcFdPb2lpYlcwWmR3VlBjd3JXTTF0bnQ2X20wenFDOU5rQTd1RlUxTmlXLVlXMktfcTlqOGVYZEVDSXJLSVBNMlllOHJ3U2pNZU1qZGNEemxVLXhudzRpN2ZlMUNfOA?oc=5) · Chicago Tribune
- 2021-10-21 [Joseph Moravecek Obituary (2010) - Chicago, IL - Chicago Sun-Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxNVGxZeWZOdDRZc3RaTzNJVGNtbG9VT0lHSWs1eERYTGpMckJQMWRjS1d1VFN1SWV2blFCbXdYclRrdE52cE0zSHdxSDNHRmdGVV9Edl9GdEVKUGxyQ3NocHR3MWdmZTV6RHlVNTMzMVBsX1E0ZnZUNFk4QmF3OHd0MFhaYlY2ajVMMTlKMFgwTWtVQlpGV3BQNXktTm9WUENuVWc?oc=5) · Chicago Sun-Times
- 2012-04-23 [Photo: New Park Ridge Chamber Board - Journal & Topics](https://news.google.com/rss/articles/CBMigAFBVV95cUxPekNUUEJzNE1sZ0tWQkNRTEcydzJZOU15Tld4MDF3aDB2VlZmN0dHTjlNNUU2bDBkZWgyS0Y0emdtM2FXOXpta0R4bXRTa1pCZUt2WFowc2dfN0VWeDZ2QlRFSjkzNVRncVhtbkxFd3hQVlZ2NlBteDVtbFNZSUYtbQ?oc=5) · Journal &amp; Topics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29009 (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/17.json (key "29009", 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