Side-by-side · Q2 2026 data
SpiritBank vs First Liberty Bank
Metric by metric
| Measure | SpiritBank | First Liberty Bank |
|---|---|---|
| TellerScore | 63 | 76 (stronger) |
| Capital cushion | 43 | 68 (stronger) |
| Loan quality | 71 | 98 (stronger) |
| Earnings | 54 | 63 (stronger) |
| Funding & liquidity | 87 (stronger) | 54 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 24th | 64th |
| Total assets | $912.8M | $885.0M |
| Deposits / shares | $819.2M | $768.3M |
| Capital ratio | 9.30% | 11.82% (stronger) |
| Problem loans | 0.86% | 0.07% (stronger) |
| Net charge-offs | 0.29% | 0.18% (stronger) |
| Return on assets | 0.86% | 1.07% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 93.0% |
| Uninsured deposits | 14.6% (stronger) | 26.9% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 9.9% |
First Liberty Bank has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 2 and First Liberty Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.