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The Libertyville Savings Bank

IDRSSD: 857745
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q1QoQ -9

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #857745 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.01% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -45

The five pillars

Liquidity

StrongQoQ -1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.9%, cash 9.4% of assets.

Cash / Assets
9.42%
Loans / Deposits
76.92%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.40%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 13.72%, CET1 13.72%, leverage 10.23%.

Tier 1 RBC
13.72%
CET1
13.72%
Leverage
10.23%
No watch items at this period.

Asset Quality

StableQoQ -10
70
Sub-score

Asset quality is stable: Adjusted NPL 1.85%, Texas Ratio 10.5%, NCO YTD 1.01%.

Adjusted NPL
1.85%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
1.01%
30-89 PD
1.70%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.01% of loans.

Reserves

RiskQoQ -45
32
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 56.5%, true coverage 56.5%.

ALLL / Loans
1.04%
Coverage
56.5%
True Loss Coverage
56.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 15:10:06 UTC