Side-by-side · Q2 2026 data
The First National Bank of Grayson vs Liberty Bank
Metric by metric
| Measure | The First National Bank of Grayson | Liberty Bank |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 68 | 74 (stronger) |
| Earnings | 93 (stronger) | 47 |
| Funding & liquidity | 73 | 97 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 75th | 70th |
| Total assets | $371.9M | $55.7M |
| Deposits / shares | $325.5M | $46.2M |
| Capital ratio | 12.98% | 17.96% (stronger) |
| Problem loans | 0.96% | 0.77% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 0.69% |
| Loans ÷ deposits | 72.9% | 59.5% (stronger) |
| Uninsured deposits | 27.4% | 17.5% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
Liberty Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 1 and Liberty Bank on 6. 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.