Bank Comparison
Liberty Bank vs Webster Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Liberty Bank | Webster Bank, N.A. |
|---|---|---|
| CET1 Ratio | 13.69% | 12.07% |
| Tier 1 Capital Ratio | 13.69% | 12.07% |
| Total Capital Ratio | 14.71% | 13.32% |
| Tier 1 Leverage Ratio | 13.05% | 8.49% |
| Equity / Assets | 13.03% | 11.31% |
Profitability
| Metric | Liberty Bank | Webster Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.26% | 1.23% |
| Return on Equity (ROE) | 1.97% | 10.78% |
| Net Interest Margin (NIM) | 3.37% | 3.30% |
| Yield on Earning Assets | 5.10% | 5.09% |
| Cost of Funds | 1.93% | 1.93% |
Asset quality
| Metric | Liberty Bank | Webster Bank, N.A. |
|---|---|---|
| Texas Ratio | 10.72% | 13.73% |
| Non-Performing Loan Ratio | 1.83% | 1.73% |
| Non-Performing Asset Ratio | 1.43% | 1.16% |
| Net Charge-Off Ratio | 0.21% | 0.29% |
| ACL / Loans | 1.21% | 1.28% |
Balance sheet
| Metric | Liberty Bank | Webster Bank, N.A. |
|---|---|---|
| Total Assets | $9,017M | $85,527M |
| Total Deposits | $7,129M | $69,386M |
| Total Loans | $7,031M | $57,263M |
| Total Equity | $1,174M | $9,669M |
| Net Income (quarter) | $5,774K | $261,896K |
Liquidity & funding
| Metric | Liberty Bank | Webster Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 98.63% | 82.53% |
| Core Deposit Ratio | 96.87% | 97.90% |
| Uninsured Deposit Ratio | 25.93% | 36.10% |
Identity
| Metric | Liberty Bank | Webster Bank, N.A. |
|---|---|---|
| Headquarters City | MIDDLETOWN | STAMFORD |
| Headquarters State | CT | CT |
| Asset Tier | Large | Regional |
| Charter Class | 0 | 24469 |
| Regulator | FDIC | OCC |
| Domestic Branches | 51 | 195 |
| Employees (FTE) | 873 | 4,562 |
| Established | May 15, 1825, midnight | Jan. 1, 1870, 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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