Side-by-side · Q2 2026 data
Liberty National Bank vs Walters Bank and Trust Company
Metric by metric
| Measure | Liberty National Bank | Walters Bank and Trust Company |
|---|---|---|
| TellerScore | 84 | 99 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 100 | 100 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 95th | 99th |
| Total assets | $1.3B | $70.3M |
| Deposits / shares | $1.2B | $56.5M |
| Capital ratio | 10.31% | 20.03% (stronger) |
| Problem loans | 0.02% (stronger) | 0.06% |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 2.15% | 2.33% (stronger) |
| Loans ÷ deposits | 74.3% | 60.6% (stronger) |
| Uninsured deposits | 11.7% (stronger) | 11.8% |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | 12.8% |
Walters Bank and Trust Company has the higher TellerScore (99 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 3 and Walters Bank and Trust Company on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.