Side-by-side · Q2 2026 data
The Liberty National Bank in Paris vs West Texas State Bank
Metric by metric
| Measure | The Liberty National Bank in Paris | West Texas State Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 60 |
| Capital cushion | 78 (stronger) | 55 |
| Loan quality | 71 (stronger) | 41 |
| Earnings | 82 | 92 (stronger) |
| Funding & liquidity | 55 | 57 (stronger) |
| Problem-loan coverage | 90 (stronger) | 65 |
| Peer percentile | 61st | 19th |
| Total assets | $452.1M | $443.7M |
| Deposits / shares | $364.7M | $396.5M |
| Capital ratio | 12.76% (stronger) | 10.49% |
| Problem loans | 0.88% (stronger) | 1.77% |
| Net charge-offs | 0.16% | 0.03% (stronger) |
| Return on assets | 1.55% | 1.81% (stronger) |
| Loans ÷ deposits | 88.9% | 75.2% (stronger) |
| Uninsured deposits | 29.7% (stronger) | 40.7% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Liberty National Bank in Paris has the higher TellerScore (75 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Liberty National Bank in Paris leads on 4 and West Texas State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.