Side-by-side · Q2 2026 data
HNB National Bank vs Liberty Bank
Metric by metric
| Measure | HNB National Bank | Liberty Bank |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 47 | 72 (stronger) |
| Loan quality | 98 (stronger) | 95 |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 86 | 90 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 91st | 90th |
| Total assets | $1.3B | $193.9M |
| Deposits / shares | $1.2B | $167.4M |
| Capital ratio | 9.72% | 12.21% (stronger) |
| Problem loans | 0.06% (stronger) | 0.14% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 2.66% (stronger) | 1.67% |
| Loans ÷ deposits | 74.1% | 70.5% (stronger) |
| Uninsured deposits | 14.2% | 10.1% (stronger) |
| Offices | 17 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Liberty Bank has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 3 and Liberty Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.