Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs Liberty Bank
Metric by metric
| Measure | First State Bank Shannon-Polo | Liberty Bank |
|---|---|---|
| TellerScore | 51 | 86 (stronger) |
| Capital cushion | 53 | 72 (stronger) |
| Loan quality | 12 | 95 (stronger) |
| Earnings | 58 | 87 (stronger) |
| Funding & liquidity | 93 (stronger) | 90 |
| Problem-loan coverage | 67 | 99 (stronger) |
| Peer percentile | 8th | 90th |
| Total assets | $190.5M | $193.9M |
| Deposits / shares | $167.1M | $167.4M |
| Capital ratio | 10.31% | 12.21% (stronger) |
| Problem loans | 2.64% | 0.14% (stronger) |
| Net charge-offs | 0.53% | 0.02% (stronger) |
| Return on assets | 0.94% | 1.67% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 70.5% |
| Uninsured deposits | 17.7% | 10.1% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank has the higher TellerScore (86 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 1 and Liberty Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.