BanksFIRST LIBERTY BANK

FIRST LIBERTY BANK

LIBERTY, TXMediumEst. Jan. 1, 1913, midnightFDIC #3301RSSD #629353FED
Latest · 2025-12-31

FIRST LIBERTY BANK is an 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%. CET1 capital ratio: 15.90%, well above regulatory minimums. NPL ratio: 0.30% · Texas Ratio: 1.79%. Operates 11 domestic branches.

Assets
$866M
Deposits
$750M
Loans
$472M
Equity
$98M

Profitability

Return on Assets (ROA)1.45%
Return on Equity (ROE)12.76%
Net Interest Margin4.99%
Yield on Assets6.23%
Cost of Funds1.29%

Asset Quality

NPL Ratio0.30%
Net Charge-Off Ratio0.14%
Texas Ratio1.79%
NPA Ratio0.21%
ACL / Loans1.28%

Capital & Liquidity

CET1 Ratio15.90%
Tier 1 Capital15.90%
Total Capital Ratio17.13%
Leverage Ratio10.26%
Loan-to-Deposit62.90%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required