Bank Comparison
Amistad Bank vs Liberty Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Amistad Bank | Liberty Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.42% | 17.17% |
| Equity / Assets | 18.82% | 16.52% |
Profitability
| Metric | Amistad Bank | Liberty Bank |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 0.39% |
| Return on Equity (ROE) | 3.10% | 2.45% |
| Net Interest Margin (NIM) | 5.00% | 3.84% |
| Yield on Earning Assets | 6.68% | 4.53% |
| Cost of Funds | 1.85% | 0.76% |
Asset quality
| Metric | Amistad Bank | Liberty Bank |
|---|---|---|
| Texas Ratio | 0.00% | 3.77% |
| Non-Performing Loan Ratio | 0.00% | 1.27% |
| Non-Performing Asset Ratio | 0.00% | 0.63% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.34% | 0.29% |
Balance sheet
| Metric | Amistad Bank | Liberty Bank |
|---|---|---|
| Total Assets | $56,320K | $56,597K |
| Total Deposits | $45,216K | $47,209K |
| Total Loans | $32,709K | $28,136K |
| Total Equity | $10,597K | $9,348K |
| Net Income (quarter) | $82 | $57 |
Liquidity & funding
| Metric | Amistad Bank | Liberty Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 72.34% | 59.60% |
| Core Deposit Ratio | 82.76% | 95.67% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Amistad Bank | Liberty Bank |
|---|---|---|
| Headquarters City | DEL RIO | IRONTON |
| Headquarters State | TX | OH |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 14 | 11 |
| Established | April 25, 1986, midnight | Jan. 1, 1896, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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