First Liberty Bank (Liberty, TX): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Liberty Bank, based in Liberty, Texas, reported $873 million in assets at June 30, 2026, up 5.8% from a year earlier. It grew its loan book 23.4% over the year, 4.3 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.80 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 23.4% and deposits rose 6.8%. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.37% of loans, against 0.15% a year earlier.
As of June 30, 2026, First Liberty Bank reported a CET1 capital ratio of 15.76%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.97%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1900 Sam Houston St, Liberty, TX 77575
- County
- Liberty
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Offices
- 11 domestic
- Employees (FTE)
- 120
- Domestic deposits
- $763.3M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $241K
- Average total assets
- $883.1M
- Average total loans
- $486.0M
- Average interest-bearing deposits
- $539.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3301
- Fed RSSD
- 629353
- Website
- flb.bank →
- Parent Holding Company
- FIRST LIBERTY NATIONAL BANCSHARES, INC. (RSSD 1233627)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Liberty Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Liberty Bank, freeFirst Liberty Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.76% | 1.39% | 0.36% | 2.97% | 4.80% |
| Q1 2026 | 15.87% | 1.25% | 0.57% | 3.33% | 4.49% |
| Q4 2025 | 15.90% | 1.49% | 0.30% | 2.28% | 5.11% |
| Q3 2025 | 15.94% | 1.22% | 0.07% | 1.94% | 4.84% |
| Q2 2025 | 17.19% | 1.40% | 0.17% | 0.98% | 4.55% |
| Q1 2025 | 17.71% | 1.18% | 0.19% | 1.03% | 3.93% |
| Q4 2024 | 15.72% | 1.14% | 0.24% | 3.47% | 4.12% |
| Q3 2024 | 16.07% | 1.12% | 0.06% | 3.89% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Liberty Bank (main office) | Liberty , TX | 77575 | $264.6M |
| Alvin Branch | Alvin , TX | 77511 | $155.9M |
| Pearland Branch | Pearland , TX | 77581 | $140.5M |
| Dayton Branch | Dayton , TX | 77535 | $86.5M |
| Manvel Branch | Manvel , TX | 77578 | $40.5M |
| Huffman Branch | Huffman , TX | 77336 | $23.6M |
| Mont Belvieu Branch | Baytown , TX | 77523 | $19.6M |
| Plum Grove Branch | Cleveland , TX | 77327 | $12.0M |
| Hardin Branch | Liberty , TX | 77575 | $11.6M |
| China Branch | Beaumont , TX | 77713 | $8.1M |
| Dayton Mortgage Center Branch | Dayton , TX | 77535 | $451K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 21, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2025 | Structure Change | Acquired First National Bank of Alvin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Liberty Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 18, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 141 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 190 applications, 86 loans originated, $47.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Liberty Bank
What are First Liberty Bank's total assets?
As of the Q2 2026 filing, First Liberty Bank reported total assets of $873.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Liberty Bank headquartered?
First Liberty Bank is headquartered in Liberty, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Liberty Bank founded?
First Liberty Bank was established in 1913, per the FDIC institution directory.
Is First Liberty Bank FDIC-insured?
Yes. First Liberty Bank is an FDIC-insured commercial bank (FDIC Certificate #3301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Liberty Bank?
First Liberty Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Liberty Bank's CET1 capital ratio?
First Liberty Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Liberty Bank operate?
First Liberty Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Liberty Bank's Texas Ratio?
First Liberty Bank's Texas Ratio is 2.97% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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