Side-by-side · Q2 2026 data
Liberty Bank, National Association vs Community Bank of Santa Maria
Metric by metric
| Measure | Liberty Bank, National Association | Community Bank of Santa Maria |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 94 (stronger) | 55 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 2 | 63 (stronger) |
| Funding & liquidity | 55 | 63 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 50th | 50th |
| Total assets | $399.2M | $396.5M |
| Deposits / shares | $336.3M | $350.4M |
| Capital ratio | 14.44% (stronger) | 10.49% |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | -0.44% | 1.07% (stronger) |
| Loans ÷ deposits | 96.8% | 83.5% (stronger) |
| Uninsured deposits | 22.2% (stronger) | 27.0% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Liberty Bank, National Association leads on 4 and Community Bank of Santa Maria on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.