Bank Comparison
First United Bank and Trust Company, INC. vs Liberty National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First United Bank and Trust Company, INC. | Liberty National Bank |
|---|---|---|
| CET1 Ratio | 13.62% | 11.10% |
| Tier 1 Capital Ratio | 13.62% | 11.10% |
| Total Capital Ratio | 14.72% | 12.06% |
| Tier 1 Leverage Ratio | 9.19% | 9.77% |
| Equity / Assets | 5.84% | 16.96% |
Profitability
| Metric | First United Bank and Trust Company, INC. | Liberty National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.29% |
| Return on Equity (ROE) | 23.98% | 7.66% |
| Net Interest Margin (NIM) | 3.71% | 4.12% |
| Yield on Earning Assets | 5.52% | 5.97% |
| Cost of Funds | 1.90% | 1.96% |
Asset quality
| Metric | First United Bank and Trust Company, INC. | Liberty National Bank |
|---|---|---|
| Texas Ratio | 3.07% | 0.00% |
| Non-Performing Loan Ratio | 0.29% | 0.00% |
| Non-Performing Asset Ratio | 0.20% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.13% | 0.98% |
Balance sheet
| Metric | First United Bank and Trust Company, INC. | Liberty National Bank |
|---|---|---|
| Total Assets | $605,623K | $605,208K |
| Total Deposits | $540,641K | $442,258K |
| Total Loans | $405,234K | $464,630K |
| Total Equity | $35,392K | $102,614K |
| Net Income (quarter) | $2,083K | $1,970K |
Liquidity & funding
| Metric | First United Bank and Trust Company, INC. | Liberty National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.95% | 105.06% |
| Core Deposit Ratio | 93.40% | 88.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First United Bank and Trust Company, INC. | Liberty National Bank |
|---|---|---|
| Headquarters City | MADISONVILLE | SIOUX CITY |
| Headquarters State | KY | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24378 |
| Regulator | FDIC | OCC |
| Domestic Branches | 7 | 10 |
| Employees (FTE) | 108 | 57 |
| Established | March 29, 1996, 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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