Side-by-side · Q2 2026 data
First Liberty Bank vs The First State Bank
Metric by metric
| Measure | First Liberty Bank | The First State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 51 | 56 (stronger) |
| Loan quality | 86 (stronger) | 28 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 66 |
| Problem-loan coverage | 94 (stronger) | 68 |
| Peer percentile | 50th | 20th |
| Total assets | $873.2M | $895.2M |
| Deposits / shares | $763.3M | $806.8M |
| Capital ratio | 10.11% | 10.58% (stronger) |
| Problem loans | 0.42% (stronger) | 2.16% |
| Net charge-offs | 0.10% (stronger) | 0.12% |
| Return on assets | 1.34% | 2.44% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 79.8% |
| Uninsured deposits | 37.6% | 28.1% (stronger) |
| Offices | 11 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.3% | — |
First Liberty Bank has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Liberty Bank leads on 4 and The First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.