Its Bank vs Liberty Trust&Savings Bank
Side-by-side bank health comparison using FDIC financial data
Its Bank (A) and Liberty Trust&Savings Bank (A) are close on the BankHealth rubric. Asset bases: $34M versus $175M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Its Bank has a stronger Bank Health Score of 100/100 (A) compared to Liberty Trust&Savings Bank at 97/100 (A), a difference of 3 points. Its Bank holds a Tier 1 capital ratio of 105.4% and an NPL ratio of 0.00%.
| Metric | Its Bank | Liberty Trust&Savings Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 105.4%* | 20.8% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 99.5%* | 38.3% |
| Return on Assets Profitability metric (above 1% is strong) | 266.9%* | 1.1% |
| Total Assets | $34M | $175M |
| Total Deposits | $500K | $143M |
| Location | Johnston, Iowa | Durant, Iowa |
Its Bank has a stronger Bank Health Score of 100/100 (A) compared to Liberty Trust&Savings Bank at 97/100 (A), a difference of 3 points. Its Bank holds a Tier 1 capital ratio of 105.4% and an NPL ratio of 0.00%.