Side-by-side · Q2 2026 data
Liberty State Bank vs BNC National Bank
Metric by metric
| Measure | Liberty State Bank | BNC National Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 71 |
| Capital cushion | 87 (stronger) | 72 |
| Loan quality | 97 (stronger) | 72 |
| Earnings | 96 (stronger) | 65 |
| Funding & liquidity | 88 (stronger) | 62 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 98th | 63rd |
| Total assets | $159.0M | $1.0B |
| Deposits / shares | $142.2M | $915.8M |
| Capital ratio | 13.66% (stronger) | 12.21% |
| Problem loans | 0.09% (stronger) | 0.84% |
| Net charge-offs | 0.04% (stronger) | 0.61% |
| Return on assets | 1.90% (stronger) | 1.14% |
| Loans ÷ deposits | 40.7% (stronger) | 78.8% |
| Uninsured deposits | 25.9% (stronger) | 32.5% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.5% |
Liberty State Bank has the higher TellerScore (93 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Liberty State Bank leads on 7 and BNC National Bank on 0. 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.