Side-by-side · Q2 2026 data
The Citizens Bank of Winfield vs Liberty Bank
Metric by metric
| Measure | The Citizens Bank of Winfield | Liberty Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 37 | 88 (stronger) |
| Funding & liquidity | 86 (stronger) | 74 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 84th | 80th |
| Total assets | $301.3M | $258.6M |
| Deposits / shares | $215.2M | $229.9M |
| Capital ratio | 17.51% (stronger) | 11.30% |
| Problem loans | 0.26% | 0.15% (stronger) |
| Net charge-offs | 0.47% | 0.04% (stronger) |
| Return on assets | 0.43% | 1.69% (stronger) |
| Loans ÷ deposits | 52.2% (stronger) | 79.3% |
| Uninsured deposits | 27.9% | 21.0% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The Citizens Bank of Winfield has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Winfield leads on 3 and Liberty Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.