Side-by-side · Q2 2026 data
Liberty State Bank vs The Bank of Tioga
Metric by metric
| Measure | Liberty State Bank | The Bank of Tioga |
|---|---|---|
| TellerScore | 93 (stronger) | 63 |
| Capital cushion | 87 (stronger) | 44 |
| Loan quality | 97 (stronger) | 62 |
| Earnings | 96 (stronger) | 73 |
| Funding & liquidity | 88 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 68 |
| Peer percentile | 98th | 24th |
| Total assets | $159.0M | $412.1M |
| Deposits / shares | $142.2M | $396.6M |
| Capital ratio | 13.66% (stronger) | 9.39% |
| Problem loans | 0.09% (stronger) | 1.15% |
| Net charge-offs | 0.04% (stronger) | 0.10% |
| Return on assets | 1.90% (stronger) | 1.32% |
| Loans ÷ deposits | 40.7% | 34.0% (stronger) |
| Uninsured deposits | 25.9% (stronger) | 28.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty State Bank has the higher TellerScore (93 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Liberty State Bank leads on 6 and The Bank of Tioga on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.