🏦Bank Scorer

LIBERTY BANK

LIBERTY, IL · Supervised by FDIC

Est. 1903FDIC #11,719RSSD: FDIC-11719
Part ofLIBERTY BCORP INC→ View all charters
Satisfactory Down

Current rating · Exam: July 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.61%

Institution Profile

FDIC BankFind

Address

1002 N Main St, LIBERTY, IL

County

Adams County

Established

June 23, 1903

Total Assets

$192M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$192M

Total Deposits

$166M

Net Loans

$114M

Net Income

$763K

ROA

1.61%

ROE

12.70%

Risk-Based Capital

21.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$155M

1-Year Change

+2

5-year net change: +2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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