Side-by-side · Q2 2026 data
Liberty Bank vs Jersey State Bank
Metric by metric
| Measure | Liberty Bank | Jersey State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 75 |
| Capital cushion | 72 | 83 (stronger) |
| Loan quality | 95 (stronger) | 61 |
| Earnings | 87 (stronger) | 53 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 90th | 61st |
| Total assets | $193.9M | $190.1M |
| Deposits / shares | $167.4M | $167.5M |
| Capital ratio | 12.21% | 13.30% (stronger) |
| Problem loans | 0.14% (stronger) | 1.18% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.67% (stronger) | 0.83% |
| Loans ÷ deposits | 70.5% | 57.2% (stronger) |
| Uninsured deposits | 10.1% | 7.7% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.9% |
Liberty Bank has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 3 and Jersey State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.