Bank Comparison
Gnb Bank vs Liberty National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Gnb Bank | Liberty National Bank |
|---|---|---|
| CET1 Ratio | 15.22% | 11.10% |
| Tier 1 Capital Ratio | 15.22% | 11.10% |
| Total Capital Ratio | 16.47% | 12.06% |
| Tier 1 Leverage Ratio | 11.80% | 9.77% |
| Equity / Assets | 12.68% | 16.96% |
Profitability
| Metric | Gnb Bank | Liberty National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.52% | 1.29% |
| Return on Equity (ROE) | 12.29% | 7.66% |
| Net Interest Margin (NIM) | 3.91% | 4.12% |
| Yield on Earning Assets | 5.65% | 5.97% |
| Cost of Funds | 1.91% | 1.96% |
Asset quality
| Metric | Gnb Bank | Liberty National Bank |
|---|---|---|
| Texas Ratio | 4.98% | 0.00% |
| Non-Performing Loan Ratio | 0.84% | 0.00% |
| Non-Performing Asset Ratio | 0.61% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.44% | 0.98% |
Balance sheet
| Metric | Gnb Bank | Liberty National Bank |
|---|---|---|
| Total Assets | $609,234K | $605,208K |
| Total Deposits | $514,527K | $442,258K |
| Total Loans | $446,172K | $464,630K |
| Total Equity | $77,257K | $102,614K |
| Net Income (quarter) | $2,372K | $1,970K |
Liquidity & funding
| Metric | Gnb Bank | Liberty National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.71% | 105.06% |
| Core Deposit Ratio | 87.01% | 88.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Gnb Bank | Liberty National Bank |
|---|---|---|
| Headquarters City | GRUNDY CENTER | SIOUX CITY |
| Headquarters State | IA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24378 |
| Regulator | FED | OCC |
| Domestic Branches | 11 | 10 |
| Employees (FTE) | 100 | 57 |
| Established | March 16, 1934, 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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