Side-by-side · Q2 2026 data
Community Spirit Bank vs Liberty Bank
Metric by metric
| Measure | Community Spirit Bank | Liberty Bank |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 47 | 63 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 75 | 88 (stronger) |
| Funding & liquidity | 84 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 68th | 80th |
| Total assets | $228.8M | $258.6M |
| Deposits / shares | $205.7M | $229.9M |
| Capital ratio | 9.73% | 11.30% (stronger) |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | 0.34% | 0.04% (stronger) |
| Return on assets | 1.39% | 1.69% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 79.3% |
| Uninsured deposits | 18.0% (stronger) | 21.0% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Liberty Bank has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 3 and Liberty Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.