Side-by-side · Q2 2026 data
Central State Bank vs Liberty Bank
Metric by metric
| Measure | Central State Bank | Liberty Bank |
|---|---|---|
| TellerScore | 70 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 81 | 90 (stronger) |
| Problem-loan coverage | 77 | 99 (stronger) |
| Peer percentile | 43rd | 90th |
| Total assets | $175.1M | $193.9M |
| Deposits / shares | $143.2M | $167.4M |
| Capital ratio | 17.92% (stronger) | 12.21% |
| Problem loans | 3.07% | 0.14% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 2.94% (stronger) | 1.67% |
| Loans ÷ deposits | 78.9% | 70.5% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 10.1% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 4 and Liberty Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.