LIBERTY BANK FOR SAVINGS

CHICAGO, IL · Supervised by FDIC

Est. 1898FDIC #29,009RSSD: FDIC-29009

Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Website

libertybank.com

Address

2392 N Milwaukee Ave, CHICAGO, IL

County

Cook County

Established

January 1, 1898

Total Assets

$858M(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

September 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$858M

Total Deposits

$646M

Net Loans

$546M

Net Income

$935K

ROA

0.44%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.85%

Risk-Based Capital

61.07%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.44%Peer avg: 0.44%▼ Below avg

Risk-Based Capital61.07%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate12.04%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$653M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	274	68.98%	12.04%
2023	256	74.61%	5.86%
2022	295	73.56%	4.75%
2021	608	74.34%	5.59%
2020	615	58.05%	6.34%
2019	447	63.76%	7.61%
2018	286	67.83%	9.09%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2023	Satisfactory	Intermediate Small Bank
Jul 2020	Satisfactory	Intermediate Small Bank
Jun 2017	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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