Side-by-side · Q2 2026 data
Lincoln State Bank vs Liberty State Bank
Metric by metric
| Measure | Lincoln State Bank | Liberty State Bank |
|---|---|---|
| TellerScore | 76 | 93 (stronger) |
| Capital cushion | 50 | 87 (stronger) |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 63 | 96 (stronger) |
| Funding & liquidity | 98 (stronger) | 88 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 64th | 98th |
| Total assets | $125.1M | $159.0M |
| Deposits / shares | $111.9M | $142.2M |
| Capital ratio | 10.01% | 13.66% (stronger) |
| Problem loans | 0.15% | 0.09% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.04% |
| Return on assets | 1.07% | 1.90% (stronger) |
| Loans ÷ deposits | 58.7% | 40.7% (stronger) |
| Uninsured deposits | 16.6% (stronger) | 25.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty State Bank has the higher TellerScore (93 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Lincoln State Bank leads on 2 and Liberty State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.