Side-by-side · Q2 2026 data
First State Bank vs Liberty Capital Bank
Metric by metric
| Measure | First State Bank | Liberty Capital Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 64 (stronger) | 59 |
| Loan quality | 73 | 98 (stronger) |
| Earnings | 86 (stronger) | 82 |
| Funding & liquidity | 67 (stronger) | 29 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 57th | 53rd |
| Total assets | $761.7M | $767.9M |
| Deposits / shares | $669.5M | $675.9M |
| Capital ratio | 11.44% (stronger) | 10.89% |
| Problem loans | 0.80% | 0.07% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.65% (stronger) | 1.54% |
| Loans ÷ deposits | 70.7% (stronger) | 91.0% |
| Uninsured deposits | 35.3% (stronger) | 51.3% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 8.0% |
First State Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Liberty Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.