Side-by-side · Q2 2026 data
Liberty Bank vs Citizens Bank & Trust
Metric by metric
| Measure | Liberty Bank | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 81 (stronger) | 67 |
| Capital cushion | 63 (stronger) | 39 |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 88 (stronger) | 44 |
| Funding & liquidity | 74 | 83 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 80th | 44th |
| Total assets | $258.6M | $1.2B |
| Deposits / shares | $229.9M | $1.1B |
| Capital ratio | 11.30% (stronger) | 8.93% |
| Problem loans | 0.15% | 0.08% (stronger) |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.69% (stronger) | 0.60% |
| Loans ÷ deposits | 79.3% | 56.0% (stronger) |
| Uninsured deposits | 21.0% (stronger) | 30.3% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 10.7% |
Liberty Bank has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 4 and Citizens Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.