Bank Comparison
Demotte State Bank vs Liberty National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Demotte State Bank | Liberty National Bank |
|---|---|---|
| CET1 Ratio | — | 11.10% |
| Tier 1 Capital Ratio | — | 11.10% |
| Total Capital Ratio | — | 12.06% |
| Tier 1 Leverage Ratio | 11.58% | 9.77% |
| Equity / Assets | 8.50% | 16.96% |
Profitability
| Metric | Demotte State Bank | Liberty National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 1.29% |
| Return on Equity (ROE) | 9.94% | 7.66% |
| Net Interest Margin (NIM) | 3.02% | 4.12% |
| Yield on Earning Assets | 4.54% | 5.97% |
| Cost of Funds | 1.64% | 1.96% |
Asset quality
| Metric | Demotte State Bank | Liberty National Bank |
|---|---|---|
| Texas Ratio | 22.18% | 0.00% |
| Non-Performing Loan Ratio | 4.20% | 0.00% |
| Non-Performing Asset Ratio | 1.92% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.38% | 0.98% |
Balance sheet
| Metric | Demotte State Bank | Liberty National Bank |
|---|---|---|
| Total Assets | $606,156K | $605,208K |
| Total Deposits | $501,689K | $442,258K |
| Total Loans | $252,776K | $464,630K |
| Total Equity | $51,544K | $102,614K |
| Net Income (quarter) | $1,292K | $1,970K |
Liquidity & funding
| Metric | Demotte State Bank | Liberty National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 50.38% | 105.06% |
| Core Deposit Ratio | 92.94% | 88.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Demotte State Bank | Liberty National Bank |
|---|---|---|
| Headquarters City | DEMOTTE | SIOUX CITY |
| Headquarters State | IN | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24378 |
| Regulator | FED | OCC |
| Domestic Branches | 10 | 10 |
| Employees (FTE) | 120 | 57 |
| Established | Feb. 2, 1942, midnight | March 17, 2003, 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.
View full Demotte State Bank profile | View full Liberty National Bank profile | Browse all bank comparisons