Bank Comparison
South Story Bank & Trust vs Liberty National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | South Story Bank & Trust | Liberty National Bank |
|---|---|---|
| CET1 Ratio | — | 11.10% |
| Tier 1 Capital Ratio | — | 11.10% |
| Total Capital Ratio | — | 12.06% |
| Tier 1 Leverage Ratio | 10.77% | 9.77% |
| Equity / Assets | 11.87% | 16.96% |
Profitability
| Metric | South Story Bank & Trust | Liberty National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.56% | 1.29% |
| Return on Equity (ROE) | 4.72% | 7.66% |
| Net Interest Margin (NIM) | 3.69% | 4.12% |
| Yield on Earning Assets | 6.16% | 5.97% |
| Cost of Funds | 2.80% | 1.96% |
Asset quality
| Metric | South Story Bank & Trust | Liberty National Bank |
|---|---|---|
| Texas Ratio | 7.54% | 0.00% |
| Non-Performing Loan Ratio | 0.78% | 0.00% |
| Non-Performing Asset Ratio | 0.88% | 0.00% |
| Net Charge-Off Ratio | 0.08% | 0.00% |
| ACL / Loans | 1.22% | 0.98% |
Balance sheet
| Metric | South Story Bank & Trust | Liberty National Bank |
|---|---|---|
| Total Assets | $607,348K | $605,208K |
| Total Deposits | $483,329K | $442,258K |
| Total Loans | $559,573K | $464,630K |
| Total Equity | $72,064K | $102,614K |
| Net Income (quarter) | $845 | $1,970K |
Liquidity & funding
| Metric | South Story Bank & Trust | Liberty National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 115.77% | 105.06% |
| Core Deposit Ratio | 92.63% | 88.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | South Story Bank & Trust | Liberty National Bank |
|---|---|---|
| Headquarters City | SLATER | SIOUX CITY |
| Headquarters State | IA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24378 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 10 |
| Employees (FTE) | 85 | 57 |
| Established | Sept. 1, 1954, midnight | March 17, 2003, 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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