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Libertyville Bank & Trust Company, National Association
Libertyville, IL·FDIC Cert #34073·Charter: OCC·Est. 19951010.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$3.1B
Q4 2025
Return on Assets
1.65%
-0.04%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
34.54%
Peer avg: 58.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.65%-0.04
ROE
18.55%-0.52
Efficiency
34.54%-0.80
Equity/Assets
0.00%+0.00
NPL Ratio
0.50%+0.22
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.68%+0.97
Charge-offs
0.08%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.6 | 1.7 | 1.7 | 1.6 | 1.7 | 1.7 | 1.6 |
| ROE | 17.7 | 18.0 | 18.6 | 18.5 | 18.6 | 19.2 | 19.1 | 18.6 |
| Efficiency | 35.5 | 34.8 | 35.1 | 35.0 | 34.9 | 34.8 | 35.3 | 34.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.5 | 0.5 | 0.6 | 0.5 | 0.3 | 0.5 |
| Charge-offs | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 92.7 | 93.3 | 92.5 | 93.5 | 92.2 | 89.6 | 88.7 | 89.7 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.7B
Total Loans$2.4B
Total Equity$284.7M
Profitability
ROA1.65%
ROE18.55%
Efficiency Ratio34.54%
Net Income$48.7M
Risk & Asset Quality
NPL Ratio0.50%
Charge-off Rate0.08%
Loan/Deposit89.68%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans