Side-by-side · Q2 2026 data
First State Bank of Golva vs Liberty State Bank
Metric by metric
| Measure | First State Bank of Golva | Liberty State Bank |
|---|---|---|
| TellerScore | 55 | 93 (stronger) |
| Capital cushion | 40 | 87 (stronger) |
| Loan quality | 16 | 97 (stronger) |
| Earnings | 100 (stronger) | 96 |
| Funding & liquidity | 82 | 88 (stronger) |
| Problem-loan coverage | 66 | 99 (stronger) |
| Peer percentile | 11th | 98th |
| Total assets | $123.5M | $159.0M |
| Deposits / shares | $110.1M | $142.2M |
| Capital ratio | 9.01% | 13.66% (stronger) |
| Problem loans | 2.51% | 0.09% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.29% (stronger) | 1.90% |
| Loans ÷ deposits | 47.9% | 40.7% (stronger) |
| Uninsured deposits | 31.6% | 25.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty State Bank has the higher TellerScore (93 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Golva leads on 2 and Liberty State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.