Side-by-side · Q2 2026 data
Civista Bank vs Liberty Savings Bank, F.S.B.
Metric by metric
| Measure | Civista Bank | Liberty Savings Bank, F.S.B. |
|---|---|---|
| TellerScore | 75 (stronger) | 52 |
| Capital cushion | 77 (stronger) | 46 |
| Loan quality | 69 (stronger) | 53 |
| Earnings | 78 (stronger) | 35 |
| Funding & liquidity | 64 | 71 (stronger) |
| Problem-loan coverage | 91 (stronger) | 74 |
| Peer percentile | 77th | 9th |
| Total assets | $4.3B | $1.1B |
| Deposits / shares | $3.5B | $961.3M |
| Capital ratio | 12.71% (stronger) | 9.61% |
| Problem loans | 0.92% (stronger) | 1.42% |
| Net charge-offs | 0.05% (stronger) | 0.21% |
| Return on assets | 1.45% (stronger) | 0.36% |
| Loans ÷ deposits | 92.4% | 80.4% (stronger) |
| Uninsured deposits | 18.3% (stronger) | 23.2% |
| Offices | 42 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Civista Bank has the higher TellerScore (75 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 6 and Liberty Savings Bank, F.S.B. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.