Bank Comparison
Quail Creek Bank vs First Liberty Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Quail Creek Bank | First Liberty Bank |
|---|---|---|
| CET1 Ratio | 13.75% | 13.11% |
| Tier 1 Capital Ratio | 13.75% | 13.11% |
| Total Capital Ratio | 15.00% | 14.36% |
| Tier 1 Leverage Ratio | 9.35% | 11.47% |
| Equity / Assets | 9.09% | 11.52% |
Profitability
| Metric | Quail Creek Bank | First Liberty Bank |
|---|---|---|
| Return on Assets (ROA) | 1.70% | 0.98% |
| Return on Equity (ROE) | 18.74% | 8.66% |
| Net Interest Margin (NIM) | 4.19% | 3.97% |
| Yield on Earning Assets | 6.15% | 6.60% |
| Cost of Funds | 2.15% | 2.95% |
Asset quality
| Metric | Quail Creek Bank | First Liberty Bank |
|---|---|---|
| Texas Ratio | 10.88% | 17.31% |
| Non-Performing Loan Ratio | 0.97% | 2.63% |
| Non-Performing Asset Ratio | 0.85% | 2.22% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.20% | 1.57% |
Balance sheet
| Metric | Quail Creek Bank | First Liberty Bank |
|---|---|---|
| Total Assets | $826,460K | $835,338K |
| Total Deposits | $748,851K | $720,622K |
| Total Loans | $616,937K | $706,609K |
| Total Equity | $75,165K | $96,205K |
| Net Income (quarter) | $3,513K | $2,069K |
Liquidity & funding
| Metric | Quail Creek Bank | First Liberty Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.38% | 98.06% |
| Core Deposit Ratio | 72.70% | 85.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Quail Creek Bank | First Liberty Bank |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | OKLAHOMA CITY |
| Headquarters State | OK | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 83 | 95 |
| Established | Dec. 4, 1974, midnight | Dec. 12, 1933, 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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