Side-by-side · Q2 2026 data
The First National Bank and Trust vs Liberty Bank
Metric by metric
| Measure | The First National Bank and Trust | Liberty Bank |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 65 (stronger) | 63 |
| Loan quality | 97 (stronger) | 95 |
| Earnings | 40 | 88 (stronger) |
| Funding & liquidity | 84 (stronger) | 74 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 57th | 80th |
| Total assets | $238.6M | $258.6M |
| Deposits / shares | $218.9M | $229.9M |
| Capital ratio | 11.54% (stronger) | 11.30% |
| Problem loans | 0.10% (stronger) | 0.15% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 0.50% | 1.69% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 79.3% |
| Uninsured deposits | 22.8% | 21.0% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Liberty Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust leads on 4 and Liberty Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.