B
Liberty Bank
LibertyIL
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Liberty Bank
Liberty, IL
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Rating B
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 8.70
Stability Index 5.70
Company Info Liberty Bank
Liberty, IL
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FDIC Number 11719
Phone Number (217) 645-3434
Website www.liberty.bank
Asset Quality Liberty Bank
Liberty, IL
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1-Year Asset Growth 7.78%
5-Year Asset Growth 6.13%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.20%
Non-Performing Loans to Loans 0.00%
Balance Sheet Liberty Bank
Liberty, IL
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Total Assets 134.46M
Total Deposits 118.11M
Capital and Reserves Liberty Bank
Liberty, IL
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Capital 14.51M
Leverage Ratio 11.69
Loan Loss Reserves to Loans 0.73%
Risk-Based Capital Ratio 18.76
Liquidity Liberty Bank
Liberty, IL
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Hot Money Ratio 17.64%
Liquidity Ratio 23.71%
Profitability Liberty Bank
Liberty, IL
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5-Year Return on Average Assets 1.25%
Net Income 566.00K
Net Interest Spread 4.40%
Operating Profit to Average Assets 2.32%
Overhead Efficiency Ratio 45.72%
Return on Assets 1.69%
Return on Equity 15.91%