Side-by-side · Q2 2026 data
22nd State Banking Company vs Liberty Bank
Metric by metric
| Measure | 22nd State Banking Company | Liberty Bank |
|---|---|---|
| TellerScore | 41 | 81 (stronger) |
| Capital cushion | 61 | 63 (stronger) |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 40 | 88 (stronger) |
| Funding & liquidity | 55 | 74 (stronger) |
| Problem-loan coverage | 62 | 98 (stronger) |
| Peer percentile | 3rd | 80th |
| Total assets | $292.2M | $258.6M |
| Deposits / shares | $241.9M | $229.9M |
| Capital ratio | 11.12% | 11.30% (stronger) |
| Problem loans | 3.39% | 0.15% (stronger) |
| Net charge-offs | 4.31% | 0.04% (stronger) |
| Return on assets | 0.51% | 1.69% (stronger) |
| Loans ÷ deposits | 87.9% | 79.3% (stronger) |
| Uninsured deposits | 30.4% | 21.0% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Liberty Bank has the higher TellerScore (81 vs 41). On the 7 directional measures above (where higher or lower is clearly better), 22nd State Banking Company leads on 0 and Liberty Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.