Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs Liberty Bank
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | Liberty Bank |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 72 | 74 (stronger) |
| Earnings | 61 (stronger) | 47 |
| Funding & liquidity | 95 | 97 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 75th | 70th |
| Total assets | $669.9M | $55.7M |
| Deposits / shares | $571.0M | $46.2M |
| Capital ratio | 13.51% | 17.96% (stronger) |
| Problem loans | 0.85% | 0.77% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.04% (stronger) | 0.69% |
| Loans ÷ deposits | 59.8% | 59.5% (stronger) |
| Uninsured deposits | 20.0% | 17.5% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Liberty Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 1 and Liberty Bank on 6. 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.