LIBERTY CAPITAL BANK

ADDISON, TX | Medium | Est. Sept. 15, 2008, midnight | FDIC #58852 | RSSD #3690121 | FDIC
Latest Report: 2025-12-31

LIBERTY CAPITAL BANK is amn medium FDIC-insured commercial bank headquartered in ADDISON, TX, established in Sept. 15, 2008, midnight. As of 2025-12-31, the bank reported total assets of $747M and total deposits of $658M. Profitability stands at 2.37% ROA and 21.84% ROE, with a net interest margin of 10.84%. The bank's CET1 capital ratio is 12.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.08%. FDIC Certificate #58852.

Assets

$747M

Deposits

$658M

Loans

$601M

Equity

$83M

Profitability

Return on Assets (ROA) 2.37%
Return on Equity (ROE) 21.84%
Net Interest Margin (NIM) 10.84%
Yield on Assets 14.69%
Cost of Funds 4.01%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.08%
NPA Ratio 0.01%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 12.76%
Tier 1 Capital 12.76%
Total Capital Ratio 13.77%
Leverage Ratio 10.71%
Loan-to-Deposit 91.36%

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