The Libertyville Savings Bank: how it compares with its peers
Against 111 IA banks with half to twice its assets, The Libertyville Savings Bank's strongest measure in Q2 2026 is net interest margin (4.30% vs. a 3.57% peer median). Its weakest relative measure is efficiency ratio (62.10% vs. 54.64%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.39% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.30% | 3.57% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.10% | 54.64% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $8.5M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.27% | 82.96% | Context |
What it means for lending operations
Its efficiency ratio of 62.10% is above the 54.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank Lynnville, IA · $384M
- Earlham Savings Bank West Des Moines, IA · $383M
- Iowa State Bank Clarksville, IA · $393M
- First Iowa State Bank Albia, IA · $396M
- The Clinton National Bank Clinton, IA · $396M
- Hardin County Savings Bank Eldora, IA · $402M
Questions about The Libertyville Savings Bank
How big is The Libertyville Savings Bank?
The Libertyville Savings Bank, established in 1901, is headquartered in Fairfield, IA. It reported $384M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Libertyville Savings Bank's return on assets?
1.49% annualized in Q2 2026, against a 1.39% median for 111 IA banks with half to twice its assets, ahead of 60% of them.
What is The Libertyville Savings Bank's efficiency ratio?
62.10% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 54.64%, and lower is better.
Is The Libertyville Savings Bank growing its loans?
Net loans shrank 6.5% over the year to Q2 2026, while deposits shrank 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.