Side-by-side · Q2 2026 data
Bandera Bank vs Liberty Capital Bank
Metric by metric
| Measure | Bandera Bank | Liberty Capital Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 73 |
| Capital cushion | 73 (stronger) | 59 |
| Loan quality | 90 | 98 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 100 (stronger) | 29 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 87th | 53rd |
| Total assets | $89.3M | $767.9M |
| Deposits / shares | $78.6M | $675.9M |
| Capital ratio | 12.29% (stronger) | 10.89% |
| Problem loans | 0.30% | 0.07% (stronger) |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 2.22% (stronger) | 1.54% |
| Loans ÷ deposits | 59.6% (stronger) | 91.0% |
| Uninsured deposits | 9.1% (stronger) | 51.3% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.0% |
Bandera Bank has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bandera Bank leads on 5 and Liberty Capital Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.