Side-by-side · Q2 2026 data
The First National Bank of Fletcher vs Liberty National Bank
Metric by metric
| Measure | The First National Bank of Fletcher | Liberty National Bank |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 49 | 53 (stronger) |
| Loan quality | 64 | 99 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 92 (stronger) | 86 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 26th | 95th |
| Total assets | $23.4M | $1.3B |
| Deposits / shares | $21.2M | $1.2B |
| Capital ratio | 9.93% | 10.31% (stronger) |
| Problem loans | 1.07% | 0.02% (stronger) |
| Net charge-offs | -0.75% (stronger) | 0.01% |
| Return on assets | 0.86% | 2.15% (stronger) |
| Loans ÷ deposits | 18.6% (stronger) | 74.3% |
| Uninsured deposits | 22.5% | 11.7% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.7% |
Liberty National Bank has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fletcher leads on 2 and Liberty National Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.