Side-by-side · Q2 2026 data
American Heritage Bank vs Liberty National Bank
Metric by metric
| Measure | American Heritage Bank | Liberty National Bank |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 46 | 53 (stronger) |
| Loan quality | 93 | 99 (stronger) |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 84 | 86 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 63rd | 95th |
| Total assets | $1.5B | $1.3B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 9.57% | 10.31% (stronger) |
| Problem loans | 0.21% | 0.02% (stronger) |
| Net charge-offs | 0.11% | 0.01% (stronger) |
| Return on assets | 0.95% | 2.15% (stronger) |
| Loans ÷ deposits | 42.8% (stronger) | 74.3% |
| Uninsured deposits | 30.0% | 11.7% (stronger) |
| Offices | 18 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.7% |
Liberty National Bank has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), American Heritage Bank leads on 1 and Liberty National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.