Bank Comparison
Liberty Bank, INC. vs The Culbertson Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 9
winning metrics across 14 comparable rows
Capital adequacy
| Metric | Liberty Bank, INC. | The Culbertson Bank |
|---|---|---|
| CET1 Ratio | 102.22% | — |
| Tier 1 Capital Ratio | 102.22% | — |
| Total Capital Ratio | 102.22% | — |
| Tier 1 Leverage Ratio | 29.61% | 18.63% |
| Equity / Assets | 35.22% | 19.17% |
Profitability
| Metric | Liberty Bank, INC. | The Culbertson Bank |
|---|---|---|
| Return on Assets (ROA) | -8.50% | -1.00% |
| Return on Equity (ROE) | -24.08% | -5.29% |
| Net Interest Margin (NIM) | 0.50% | 5.32% |
| Yield on Earning Assets | 3.73% | 6.72% |
| Cost of Funds | 3.93% | 1.53% |
Asset quality
| Metric | Liberty Bank, INC. | The Culbertson Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | — | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | — | 0.00% |
| ACL / Loans | — | 1.98% |
Balance sheet
| Metric | Liberty Bank, INC. | The Culbertson Bank |
|---|---|---|
| Total Assets | $12,443K | $11,363K |
| Total Deposits | $7,686K | $9,168K |
| Total Loans | $0 | $5,720K |
| Total Equity | $4,382K | $2,178K |
| Net Income (quarter) | $-272 | $-29 |
Liquidity & funding
| Metric | Liberty Bank, INC. | The Culbertson Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 0.00% | 62.39% |
| Core Deposit Ratio | 58.17% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Liberty Bank, INC. | The Culbertson Bank |
|---|---|---|
| Headquarters City | SALT LAKE CITY | Culbertson |
| Headquarters State | UT | NE |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 4 |
| Established | Nov. 5, 1956, midnight | Sept. 1, 1886, 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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