Side-by-side · Q2 2026 data
Liberty National Bank vs Watermark Bank
Metric by metric
| Measure | Liberty National Bank | Watermark Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 81 |
| Capital cushion | 53 | 83 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 86 (stronger) | 44 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 95th | 80th |
| Total assets | $1.3B | $450.5M |
| Deposits / shares | $1.2B | $387.4M |
| Capital ratio | 10.31% | 13.29% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 2.15% (stronger) | 1.34% |
| Loans ÷ deposits | 74.3% (stronger) | 97.1% |
| Uninsured deposits | 11.7% (stronger) | 32.6% |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Liberty National Bank has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 4 and Watermark Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.