Bank Comparison
First Chatham Bank vs Liberty National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Chatham Bank | Liberty National Bank |
|---|---|---|
| CET1 Ratio | 19.80% | 11.10% |
| Tier 1 Capital Ratio | 19.80% | 11.10% |
| Total Capital Ratio | 21.06% | 12.06% |
| Tier 1 Leverage Ratio | 13.77% | 9.77% |
| Equity / Assets | 12.78% | 16.96% |
Profitability
| Metric | First Chatham Bank | Liberty National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.34% | 1.29% |
| Return on Equity (ROE) | 10.36% | 7.66% |
| Net Interest Margin (NIM) | 5.00% | 4.12% |
| Yield on Earning Assets | 6.33% | 5.97% |
| Cost of Funds | 1.42% | 1.96% |
Asset quality
| Metric | First Chatham Bank | Liberty National Bank |
|---|---|---|
| Texas Ratio | 8.39% | 0.00% |
| Non-Performing Loan Ratio | 1.42% | 0.00% |
| Non-Performing Asset Ratio | 1.17% | 0.00% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 1.85% | 0.98% |
Balance sheet
| Metric | First Chatham Bank | Liberty National Bank |
|---|---|---|
| Total Assets | $604,491K | $605,208K |
| Total Deposits | $522,656K | $442,258K |
| Total Loans | $377,204K | $464,630K |
| Total Equity | $77,260K | $102,614K |
| Net Income (quarter) | $1,975K | $1,970K |
Liquidity & funding
| Metric | First Chatham Bank | Liberty National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 72.17% | 105.06% |
| Core Deposit Ratio | 93.66% | 88.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Chatham Bank | Liberty National Bank |
|---|---|---|
| Headquarters City | Savannah | SIOUX CITY |
| Headquarters State | GA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24378 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 10 |
| Employees (FTE) | 101 | 57 |
| Established | Jan. 23, 2002, 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.
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