Bank Comparison
Liberty Bank vs Peoples Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Liberty Bank | Peoples Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.17% | 13.11% |
| Equity / Assets | 16.52% | 12.36% |
Profitability
| Metric | Liberty Bank | Peoples Bank |
|---|---|---|
| Return on Assets (ROA) | 0.39% | 1.13% |
| Return on Equity (ROE) | 2.45% | 9.30% |
| Net Interest Margin (NIM) | 3.84% | 3.42% |
| Yield on Earning Assets | 4.53% | 5.20% |
| Cost of Funds | 0.76% | 1.99% |
Asset quality
| Metric | Liberty Bank | Peoples Bank |
|---|---|---|
| Texas Ratio | 3.77% | 3.77% |
| Non-Performing Loan Ratio | 1.27% | 0.02% |
| Non-Performing Asset Ratio | 0.63% | 0.01% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.29% | 1.21% |
Balance sheet
| Metric | Liberty Bank | Peoples Bank |
|---|---|---|
| Total Assets | $56,597K | $56,646K |
| Total Deposits | $47,209K | $47,785K |
| Total Loans | $28,136K | $31,998K |
| Total Equity | $9,348K | $7,004K |
| Net Income (quarter) | $57 | $159 |
Liquidity & funding
| Metric | Liberty Bank | Peoples Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 59.60% | 66.96% |
| Core Deposit Ratio | 95.67% | 86.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Liberty Bank | Peoples Bank |
|---|---|---|
| Headquarters City | IRONTON | Coldwater |
| Headquarters State | OH | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 11 | 11 |
| Established | Jan. 1, 1896, midnight | Dec. 5, 1905, 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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