Side-by-side · Q2 2026 data
Liberty Trust & Savings Bank vs First Central State Bank
Metric by metric
| Measure | Liberty Trust & Savings Bank | First Central State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 71 | 93 (stronger) |
| Earnings | 84 (stronger) | 77 |
| Funding & liquidity | 79 (stronger) | 65 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 90th | 84th |
| Total assets | $186.2M | $772.4M |
| Deposits / shares | $149.5M | $595.4M |
| Capital ratio | 20.65% (stronger) | 13.39% |
| Problem loans | 0.86% | 0.21% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.59% (stronger) | 1.43% |
| Loans ÷ deposits | 70.5% (stronger) | 82.4% |
| Uninsured deposits | 24.7% (stronger) | 26.7% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 9.1% |
Liberty Trust & Savings Bank has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Liberty Trust & Savings Bank leads on 6 and First Central State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.