Side-by-side · Q2 2026 data
Horizon Financial Bank vs Liberty State Bank
Metric by metric
| Measure | Horizon Financial Bank | Liberty State Bank |
|---|---|---|
| TellerScore | 61 | 93 (stronger) |
| Capital cushion | 58 | 87 (stronger) |
| Loan quality | 55 | 97 (stronger) |
| Earnings | 59 | 96 (stronger) |
| Funding & liquidity | 63 | 88 (stronger) |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 20th | 98th |
| Total assets | $201.0M | $159.0M |
| Deposits / shares | $178.5M | $142.2M |
| Capital ratio | 10.78% | 13.66% (stronger) |
| Problem loans | 1.34% | 0.09% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.97% | 1.90% (stronger) |
| Loans ÷ deposits | 83.5% | 40.7% (stronger) |
| Uninsured deposits | 27.6% | 25.9% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty State Bank has the higher TellerScore (93 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Horizon Financial Bank leads on 1 and Liberty State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.