Bank Comparison
Liberty Bank vs Community Neighbor Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Liberty Bank | Community Neighbor Bank |
|---|---|---|
| CET1 Ratio | 20.71% | — |
| Tier 1 Capital Ratio | 20.71% | — |
| Total Capital Ratio | 21.58% | — |
| Tier 1 Leverage Ratio | 12.08% | 10.82% |
| Equity / Assets | 12.59% | 10.72% |
Profitability
| Metric | Liberty Bank | Community Neighbor Bank |
|---|---|---|
| Return on Assets (ROA) | 1.59% | 1.41% |
| Return on Equity (ROE) | 12.70% | 13.40% |
| Net Interest Margin (NIM) | 4.41% | 4.64% |
| Yield on Earning Assets | 5.72% | 6.14% |
| Cost of Funds | 1.43% | 1.57% |
Asset quality
| Metric | Liberty Bank | Community Neighbor Bank |
|---|---|---|
| Texas Ratio | 0.48% | 4.55% |
| Non-Performing Loan Ratio | 0.03% | 0.99% |
| Non-Performing Asset Ratio | 0.02% | 0.52% |
| Net Charge-Off Ratio | -0.01% | 0.26% |
| ACL / Loans | 0.84% | 1.55% |
Balance sheet
| Metric | Liberty Bank | Community Neighbor Bank |
|---|---|---|
| Total Assets | $192,418K | $192,306K |
| Total Deposits | $166,002K | $171,250K |
| Total Loans | $115,026K | $98,217K |
| Total Equity | $24,228K | $20,608K |
| Net Income (quarter) | $763 | $681 |
Liquidity & funding
| Metric | Liberty Bank | Community Neighbor Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.29% | 57.35% |
| Core Deposit Ratio | 91.79% | 92.83% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Liberty Bank | Community Neighbor Bank |
|---|---|---|
| Headquarters City | LIBERTY | CAMDEN |
| Headquarters State | IL | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 35 | 34 |
| Established | June 23, 1903, midnight | April 1, 1906, 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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