Side-by-side · Q2 2026 data
Clear Lake Bank and Trust Company vs Liberty National Bank
Metric by metric
| Measure | Clear Lake Bank and Trust Company | Liberty National Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 35 | 53 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 98 (stronger) | 70 |
| Funding & liquidity | 64 (stronger) | 39 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 61st | 47th |
| Total assets | $649.3M | $624.4M |
| Deposits / shares | $585.0M | $457.3M |
| Capital ratio | 8.53% | 10.31% (stronger) |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.94% (stronger) | 1.26% |
| Loans ÷ deposits | 83.5% (stronger) | 101.5% |
| Uninsured deposits | 26.2% (stronger) | 32.7% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.4% |
Clear Lake Bank and Trust Company has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Clear Lake Bank and Trust Company leads on 4 and Liberty National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.