FIRST LIBERTY BANK

LIBERTY, TX | Medium | Est. Jan. 1, 1913, midnight | FDIC #3301 | RSSD #629353 | FED
Latest Report: 2025-12-31

FIRST LIBERTY BANK is amn medium FDIC-insured commercial bank headquartered in LIBERTY, TX, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $866M and total deposits of $750M. Profitability stands at 1.45% ROA and 12.76% ROE, with a net interest margin of 4.99%. The bank's CET1 capital ratio is 15.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 1.79%. FDIC Certificate #3301.

Assets

$866M

Deposits

$750M

Loans

$472M

Equity

$98M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 12.76%
Net Interest Margin (NIM) 4.99%
Yield on Assets 6.23%
Cost of Funds 1.29%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio 0.14%
Texas Ratio 1.79%
NPA Ratio 0.21%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 15.90%
Tier 1 Capital 15.90%
Total Capital Ratio 17.13%
Leverage Ratio 10.26%
Loan-to-Deposit 62.90%

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