Bank Comparison
Highlands Bank, INC. vs Liberty Bank N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Highlands Bank, INC. | Liberty Bank N.A. |
|---|---|---|
| CET1 Ratio | — | 19.21% |
| Tier 1 Capital Ratio | — | 19.21% |
| Total Capital Ratio | — | 20.46% |
| Tier 1 Leverage Ratio | 11.07% | 13.42% |
| Equity / Assets | 10.75% | 14.52% |
Profitability
| Metric | Highlands Bank, INC. | Liberty Bank N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.25% | -0.37% |
| Return on Equity (ROE) | 11.59% | -2.65% |
| Net Interest Margin (NIM) | 4.36% | 3.26% |
| Yield on Earning Assets | 6.12% | 5.14% |
| Cost of Funds | 1.87% | 2.13% |
Asset quality
| Metric | Highlands Bank, INC. | Liberty Bank N.A. |
|---|---|---|
| Texas Ratio | 8.55% | 0.00% |
| Non-Performing Loan Ratio | 1.04% | 0.00% |
| Non-Performing Asset Ratio | 0.88% | 0.00% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 1.17% | 1.17% |
Balance sheet
| Metric | Highlands Bank, INC. | Liberty Bank N.A. |
|---|---|---|
| Total Assets | $396,869K | $396,466K |
| Total Deposits | $343,134K | $336,353K |
| Total Loans | $303,116K | $337,215K |
| Total Equity | $42,679K | $57,553K |
| Net Income (quarter) | $1,227K | $-383 |
Liquidity & funding
| Metric | Highlands Bank, INC. | Liberty Bank N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 88.34% | 100.26% |
| Core Deposit Ratio | 94.94% | 75.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Highlands Bank, INC. | Liberty Bank N.A. |
|---|---|---|
| Headquarters City | PETERSBURG | IRVINE |
| Headquarters State | WV | CA |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 23925 |
| Regulator | FDIC | OCC |
| Domestic Branches | 7 | 4 |
| Employees (FTE) | 79 | 55 |
| Established | Aug. 6, 1902, midnight | May 23, 2001, 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 March 31, 2026. 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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