TellerScore

Headquartered in Chicago, Illinois, Liberty Bank for Savings is a si with $868.6M in total assets and $656.8M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1898.

Based on its Q2 2026 filing, Liberty Bank for Savings scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 36th. Its strongest component is capital cushion (100/100; 24.01%), and its lowest is earnings (36/100; 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 24.01%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 82.2% · 6.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.10%

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 rose 2 points (82 → 84), mostly because the earnings component improved by 7 points.

TellerScore
788184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202478
Q1 202580
Q2 202582
Q3 202582
Q4 202582
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%14.55%24.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202423.55%
Q3 202423.55%
Q4 202423.55%
Q1 202523.43%
Q2 202523.75%
Q3 202523.68%
Q4 202523.84%
Q1 202624.09%
Q2 202624.01%
Noncurrent loans
0.02%0.16%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.17%
Q4 20240.30%
Q1 20250.10%
Q2 20250.04%
Q3 20250.03%
Q4 20250.02%
Q1 20260.03%
Q2 20260.04%
Return on assets
0.05%0.24%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.05%
Q4 20240.05%
Q1 20250.13%
Q2 20250.23%
Q3 20250.25%
Q4 20250.30%
Q1 20260.44%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$868.6M24.01%0.04%0.41%82.2%
Q1 202684$857.6M24.09%0.03%0.44%84.4%
Q4 202582$856.3M23.84%0.02%0.30%85.6%
Q3 202582$864.3M23.68%0.03%0.25%84.0%
Q2 202582$861.1M23.75%0.04%0.23%84.6%
Q1 202580$857.2M23.43%0.10%0.13%85.3%
Q4 202478$861.8M23.55%0.30%0.05%85.0%
Q3 202479$851.1M23.55%0.17%0.05%87.3%
Q2 202479$848.6M23.55%0.16%0.06%84.7%

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).

Capital ratio24.01%
98th
Total risk-based capital61.63%
99th
Problem loans0.04%
81st
Net charge-offs-0.00%
76th
Return on assets0.41%
10th
Net interest margin2.74%
6th
Efficiency ratio82.6%
11th
Loans to deposits82.2%
45th
Uninsured deposits6.8%
98th
Loan-loss reserves0.52%
3rd
Texas ratio0.1%
86th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Resource Bank, National AssociationBank Dekalb, IL50 out of 100, Below average$868.6M8.5%2.44%vs
Millennium BankBank Des Plaines, IL33 out of 100, Low$844.5M9.4%4.37%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Fortress BankBank Peoria, IL47 out of 100, Below average$897.2M9.1%1.99%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
CIBM BankBank Champaign, IL53 out of 100, Below average$819.7M9.9%1.08%vs

Deposit insurance

Is my money safe at Liberty Bank for Savings?

Yes. Liberty Bank for Savings is an FDIC-insured institution (FDIC certificate #29009). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.8% of deposits ($44.7M) 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 24.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 61.63% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Liberty Bank for Savings lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Liberty Bank for Savings
Former names
Liberty Savings
Type
SI
FDIC certificate #
29009
RSSD ID
757377
Primary regulator
FDIC
Established
January 1, 1898
Headquarters
2392 N Milwaukee Ave, Chicago, IL 60647
Employees
94

Quick answers

Liberty Bank for Savings: common questions

Is Liberty Bank for Savings FDIC insured?

Yes. Liberty Bank for Savings is an FDIC-insured institution (FDIC certificate #29009). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Liberty Bank for Savings's TellerScore?

84 out of 100 (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 for Savings ever failed?

There is no failure record for FDIC certificate #29009 in the FDIC failed bank list.

How many branches does Liberty Bank for Savings have?

5 offices as of the latest FDIC data.

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