Side-by-side · Q2 2026 data
Liberty State Bank vs Western Cooperative
Metric by metric
| Measure | Liberty State Bank | Western Cooperative |
|---|---|---|
| TellerScore | 93 (stronger) | 64 |
| Capital cushion | 87 | 92 (stronger) |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 96 (stronger) | 71 |
| Funding & liquidity | 88 | 95 (stronger) |
| Problem-loan coverage | 99 (stronger) | 80 |
| Peer percentile | 98th | 31st |
| Total assets | $159.0M | $522.2M |
| Deposits / shares | $142.2M | $452.5M |
| Capital ratio | 13.66% | 14.20% (stronger) |
| Problem loans | 0.09% (stronger) | 3.17% |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 1.90% (stronger) | 1.27% |
| Loans ÷ deposits | 40.7% (stronger) | 52.6% |
| Uninsured deposits | 25.9% | 19.6% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty State Bank has the higher TellerScore (93 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Liberty State Bank leads on 5 and Western Cooperative on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.