Mcintosh County Bank vs Liberty State Bank
Side-by-side bank health comparison using FDIC financial data
Mcintosh County Bank (A) and Liberty State Bank (A) are close on the BankHealth rubric. Asset bases: $120M versus $133M.
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
Mcintosh County Bank has a stronger Bank Health Score of 98/100 (A) compared to Liberty State Bank at 95/100 (A), a difference of 3 points. Mcintosh County Bank holds a Tier 1 capital ratio of 15.1% and an NPL ratio of 0.00%.
| Metric | Mcintosh County Bank | Liberty State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A)* | 95/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.1%* | 13.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 35.7% | 54.3%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.6%* | 1.6% |
| Total Assets | $120M | $133M |
| Total Deposits | $100M | $119M |
| Location | Ashley, North Dakota | Powers Lake, North Dakota |
Mcintosh County Bank has a stronger Bank Health Score of 98/100 (A) compared to Liberty State Bank at 95/100 (A), a difference of 3 points. Mcintosh County Bank holds a Tier 1 capital ratio of 15.1% and an NPL ratio of 0.00%.