Side-by-side · Q2 2026 data
HNB First Bank vs Liberty Bank
Metric by metric
| Measure | HNB First Bank | Liberty Bank |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 45 | 63 (stronger) |
| Loan quality | 79 | 95 (stronger) |
| Earnings | 66 | 88 (stronger) |
| Funding & liquidity | 57 | 74 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $282.4M | $258.6M |
| Deposits / shares | $253.7M | $229.9M |
| Capital ratio | 9.53% | 11.30% (stronger) |
| Problem loans | 0.63% | 0.15% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.15% | 1.69% (stronger) |
| Loans ÷ deposits | 87.0% | 79.3% (stronger) |
| Uninsured deposits | 29.9% | 21.0% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 0.0% |
Liberty Bank has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), HNB First Bank leads on 1 and Liberty Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.