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Libertyville Bank And Trust Company National Association

IDRSSD: 2339795
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 2339795 held $3.2B in total assets as of 2026-03-31 (+0.6% quarter-over-quarter). Total loans stood at $2.4B (+0.6% QoQ) and total deposits at $2.7B (+0.4% QoQ).

Overall position is adequate — the composite Health Score is 50/100 (Adequate). Tier 1 / RWA stands at 11.58%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
50/100
Adequate
Active Alerts
2
0 critical, 0 warning
Total Assets
$3.2B
+0.6% QoQ
Total Loans
$2.4B
+0.6% QoQ
Total Deposits
$2.7B
+0.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
11.58%
20th pctile · n=318↑ better
+35 bp QoQ
CET1 / RWA
11.58%
37th pctile · n=389↑ better
+35 bp QoQ
Total RBC / RWA
12.45%
17th pctile · n=318↑ better
+45 bp QoQ
Tier 1 Leverage Ratio
11.58%
35th pctile · n=389↑ better
+35 bp QoQ

Liquidity

Cash / Assets
2.04%
16th pctile · n=389↑ better
-106 bp QoQ
Loans / Deposits
89.85%
59th pctile · n=387↓ better
+17 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.43%
40th pctile · n=389↓ better
-7 bp QoQ
NPA / Assets
0.35%
38th pctile · n=389↓ better
-5 bp QoQ
Texas Ratio (regulatory)
3.36%
45th pctile · n=389↓ better
-68 bp QoQ
Net Charge-Offs / Avg Loans
0.04%
58th pctile · n=389↓ better
+0 bp QoQ
ALLL Coverage of NPL
194.93%
52th pctile · n=389↑ better
+4966 bp QoQ

Earnings

Net Interest Margin
3.45%
38th pctile · n=389↑ better
+0 bp QoQ
Return on Assets
1.47%
70th pctile · n=389↑ better
-6 bp QoQ
Return on Equity
15.99%
82th pctile · n=389↑ better
-118 bp QoQ
Efficiency Ratio
33.83%
3th pctile · n=389↓ better
+148 bp QoQ
Pre-tax NOI / Avg Assets
1.98%
79th pctile · n=389↑ better
-8 bp QoQ

Funding

Brokered / Deposits
13.23%
86th pctile · n=387↓ better
+186 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
6.20%
79th pctile · n=389↓ better
+6 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
18.91%
70th pctile · n=389↑ better
+390 bp QoQ
AFS Securities / Assets
12.82%
56th pctile · n=389↑ better
+402 bp QoQ
HTM Securities / Assets
6.09%
87th pctile · n=389↑ better
-12 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 11:45:52 UTC