BlastPoint's Banking Scorecard
Libertyville Bank & Trust Company, National Association
Community
Specialty: Commercial
IL
FDIC cert 34073
Libertyville, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Libertyville Bank & Trust Company, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 28.09% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+15.8% YoY
+0.7% QoQ
|
+$1.7B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.4B
+12.2% YoY
+1.4% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.7B
+17.0% YoY
+0.3% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.65%
-2.0% YoY
-2.2% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.42%
-0.1% YoY
+0.5% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
34.54%
-1.4% YoY
-2.3% QoQ
|
-28.09% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.50%
+4.7% YoY
+77.4% QoQ
|
-0.12% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
89.68%
-4.1% YoY
+1.1% QoQ
|
+6.61% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
15.70%
-12.3% YoY
+8.4% QoQ
|
-5.35% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.40%
+0.8% YoY
+72.8% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
11.23%
+1.7% YoY
+2.0% QoQ
|
+0.99% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.31%
+41.7% YoY
+43.6% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
34.54%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Credit Quality Pressure
risk
#201 of 808 · Bottom 25% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.50%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Efficiency Ratio
Current: 34.54% · Tier avg: 62.63%
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
92
92th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.23% · Tier avg: 10.24%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.68% · Tier avg: 83.06%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.70% · Tier avg: 21.05%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
Top Weaknesses
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.70% · Tier avg: 21.05%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.68% · Tier avg: 83.06%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.23% · Tier avg: 10.24%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
98
98th pctile
Efficiency Ratio
Current: 34.54% · Tier avg: 62.63%