Bank · FDIC insured
Liberty Bank
A $193.9M bank headquartered in Liberty, IL, with 6 branches in Illinois. Best rates: CDs 3.79% and savings 0.25% APY.
Liberty Bank Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#7 of 10 in Quincy, IL-MO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Liberty Bank
Liberty Bank is a 100% locally owned and operated bank operating since 1903.
The bank operates six community banking center locations across Liberty, Barry, Payson, Quincy, Ursa, and Camp Point, Illinois.
- Headquarters
- 1002 N Main St, Liberty, IL 62347
- FDIC certificate
- 11719 ↗
Branches
6 branches in Illinois
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Illinois
6 branches
Quincy area · 5
- Liberty BankMain office1002 N Main St, Liberty, IL 62347Directions
- Camp Point Branch213 W Wood St, Camp Point, IL 62320Directions
- Payson Community Banking Center402 W State St, Payson, IL 62360Directions
- Quincy Community Banking Center4134 Broadway St, Quincy, IL 62305Directions
- North Adams State Bank Branch114 N Warsaw St, Ursa, IL 62376Directions
Barry area · 1
- Barry Community Banking Center1001 Highway 106, Barry, IL 62312Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.21% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.14% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.67% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio12.21%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.14%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.67%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Liberty Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.