Side-by-side · Q2 2026 data
Liberty National Bank vs Valliance Bank
Metric by metric
| Measure | Liberty National Bank | Valliance Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 47 |
| Capital cushion | 53 (stronger) | 43 |
| Loan quality | 99 (stronger) | 47 |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 86 (stronger) | 43 |
| Problem-loan coverage | 100 (stronger) | 72 |
| Peer percentile | 95th | 5th |
| Total assets | $1.3B | $923.3M |
| Deposits / shares | $1.2B | $733.0M |
| Capital ratio | 10.31% (stronger) | 9.31% |
| Problem loans | 0.02% (stronger) | 1.58% |
| Net charge-offs | 0.01% | -0.10% (stronger) |
| Return on assets | 2.15% (stronger) | 0.63% |
| Loans ÷ deposits | 74.3% (stronger) | 105.3% |
| Uninsured deposits | 11.7% (stronger) | 25.6% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Liberty National Bank has the higher TellerScore (84 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 6 and Valliance Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.