Liberty State Bank vs Bank of Tioga
Side-by-side bank health comparison using FDIC financial data
Liberty State Bank (A) and Bank of Tioga (A) are close on the BankHealth rubric. Asset bases: $133M versus $404M.
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
Liberty State Bank has a stronger Bank Health Score of 95/100 (A) compared to Bank of Tioga at 95/100 (A), a difference of 0 points. Liberty State Bank holds a Tier 1 capital ratio of 13.9% and an NPL ratio of 0.00%.
| Metric | Liberty State Bank | Bank of Tioga |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 95/100 (A) | 95/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.9%* | 13.3% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 54.3% | 62.4%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.6% | 2.4%* |
| Total Assets | $133M | $404M |
| Total Deposits | $119M | $401M |
| Location | Powers Lake, North Dakota | Tioga, North Dakota |
Liberty State Bank has a stronger Bank Health Score of 95/100 (A) compared to Bank of Tioga at 95/100 (A), a difference of 0 points. Liberty State Bank holds a Tier 1 capital ratio of 13.9% and an NPL ratio of 0.00%.