Liberty Bank is a state-chartered bank headquartered in Liberty, Illinois, in business for about 123 years. At the end of Q2 2026 it reported $193.9M in total assets and $167.4M in deposits, with 6 offices.
Liberty Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 28th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (72/100, 12.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (96 → 86), mostly because the capital cushion component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 81 |
| Q1 2025 | 84 |
| Q2 2025 | 96 |
| Q3 2025 | 88 |
| Q4 2025 | 86 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.98% |
| Q3 2024 | 12.11% |
| Q4 2024 | 11.63% |
| Q1 2025 | 11.69% |
| Q2 2025 | 15.33% |
| Q3 2025 | 12.20% |
| Q4 2025 | 11.83% |
| Q1 2026 | 12.08% |
| Q2 2026 | 12.21% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.14% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.62% |
| Q4 2024 | 1.49% |
| Q1 2025 | 1.71% |
| Q2 2025 | 1.91% |
| Q3 2025 | 1.92% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $193.9M | 12.21% | 0.14% | 1.67% | 70.5% |
| Q1 2026 | 86 | $192.4M | 12.08% | 0.10% | 1.61% | 68.7% |
| Q4 2025 | 86 | $186.5M | 11.83% | 0.03% | 1.64% | 72.0% |
| Q3 2025 | 88 | $187.8M | 12.20% | 0.12% | 1.92% | 71.7% |
| Q2 2025 | 96 | $179.3M | 15.33% | 0.11% | 1.91% | 75.9% |
| Q1 2025 | 84 | $134.5M | 11.69% | 0.03% | 1.71% | 80.1% |
| Q4 2024 | 81 | $130.1M | 11.63% | 0.16% | 1.49% | 78.8% |
| Q3 2024 | 85 | $131.4M | 12.11% | 0.07% | 1.62% | 78.2% |
| Q2 2024 | 84 | $122.6M | 11.98% | 0.15% | 1.72% | 84.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Bank of ElmhurstBank Elmhurst, IL | 72 out of 100, Strong | $194.5M | 9.9% | 0.02% | vs |
| Great Rivers BankBank Barry, IL | 81 out of 100, Strong | $194.6M | 11.2% | 0.11% | vs |
| Central Federal Savings and Loan AssociationBank Cicero, IL | 61 out of 100, Moderate | $194.6M | 10.3% | 0.65% | vs |
| First Federal Savings Bank of Champaign UrbanaBank Champaign, IL | 90 out of 100, Very strong | $192.5M | 12.7% | 0.09% | vs |
| Frederick Community Bank, TheBank Paxton, IL | 84 out of 100, Strong | $196.1M | 10.4% | 0.00% | vs |
| First State Bank Shannon-PoloBank Shannon, IL | 51 out of 100, Below average | $190.5M | 10.3% | 2.64% | vs |
Deposit insurance
Is my money safe at Liberty Bank?
Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #11719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.1% of deposits ($16.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.60% (benchmark: 10%).
6 locations
Branches
Liberty Bank lists 6 offices in 6 cities. Most locations:
- Barry, IL (1)
- Camp Point, IL (1)
- Liberty, IL (1)
- Payson, IL (1)
- Quincy, IL (1)
- Ursa, IL (1)
Identity & history
Profile
- Legal name
- Liberty Bank
- Former names
- The Farmers Bank of Liberty
- Type
- State-chartered bank
- FDIC certificate #
- 11719
- RSSD ID
- 371942
- Primary regulator
- FDIC
- Holding company
- Liberty Bcorp Inc
- Established
- June 23, 1903
- Headquarters
- 1002 N Main St, Liberty, IL 62347
- Website
- www.liberty.bank
- Employees
- 38
Quick answers
Liberty Bank: common questions
Is Liberty Bank FDIC insured?
Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #11719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Liberty Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Liberty Bank ever failed?
There is no failure record for FDIC certificate #11719 in the FDIC failed bank list.
How many branches does Liberty Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Liberty
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| Members "first" Community Credit UnionCredit union Quincy, IL | 92 out of 100, Very strong | $111.6M | 25.4% | 0.03% | vs |
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| United Community Credit UnionCredit union Quincy, IL | 84 out of 100, Strong | $134.1M | 15.4% | 0.40% | vs |
| Western Illinois School Employees Credit UnionCredit union Quincy, IL | 83 out of 100, Strong | $24.0M | 16.1% | 0.17% | vs |
| Great Rivers BankBank Barry, IL | 81 out of 100, Strong | $194.6M | 11.2% | 0.11% | vs |