Side-by-side · Q2 2026 data
Liberty National Bank vs FNB Community Bank
Metric by metric
| Measure | Liberty National Bank | FNB Community Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 52 |
| Capital cushion | 53 | 55 (stronger) |
| Loan quality | 99 (stronger) | 22 |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 86 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 61 |
| Peer percentile | 95th | 8th |
| Total assets | $1.3B | $480.2M |
| Deposits / shares | $1.2B | $430.3M |
| Capital ratio | 10.31% | 10.54% (stronger) |
| Problem loans | 0.02% (stronger) | 2.35% |
| Net charge-offs | 0.01% (stronger) | 0.36% |
| Return on assets | 2.15% (stronger) | 1.14% |
| Loans ÷ deposits | 74.3% | 69.4% (stronger) |
| Uninsured deposits | 11.7% (stronger) | 30.7% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | 22.3% |
Liberty National Bank has the higher TellerScore (84 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 5 and FNB Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.