Side-by-side · Q2 2026 data
First Liberty Bank vs Capital Bank
Metric by metric
| Measure | First Liberty Bank | Capital Bank |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 74 | 88 (stronger) |
| Funding & liquidity | 71 (stronger) | 47 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 50th | 68th |
| Total assets | $873.2M | $689.7M |
| Deposits / shares | $763.3M | $608.7M |
| Capital ratio | 10.11% | 10.81% (stronger) |
| Problem loans | 0.42% | 0.01% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.11% |
| Return on assets | 1.34% | 1.71% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 96.1% |
| Uninsured deposits | 37.6% | 31.0% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.3% | 18.6% |
Capital Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Liberty Bank leads on 2 and Capital Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.