FIRST LIBERTY BANK

OKLAHOMA CITY, OK | Medium | Est. Dec. 12, 1933, midnight | FDIC #14029 | RSSD #898850 | FDIC
Latest Report: 2025-12-31

FIRST LIBERTY BANK is amn medium FDIC-insured commercial bank headquartered in OKLAHOMA CITY, OK, established in Dec. 12, 1933, midnight. As of 2025-12-31, the bank reported total assets of $851M and total deposits of $735M. Profitability stands at 1.29% ROA and 11.44% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 13.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.14% and a Texas Ratio of 7.56%. FDIC Certificate #14029.

Assets

$851M

Deposits

$735M

Loans

$702M

Equity

$95M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 11.44%
Net Interest Margin (NIM) 4.37%
Yield on Assets 7.32%
Cost of Funds 3.09%

Asset Quality

NPL Ratio 1.14%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.56%
NPA Ratio 0.94%
ACL / Loans 1.57%

Capital & Liquidity

CET1 Ratio 13.02%
Tier 1 Capital 13.02%
Total Capital Ratio 14.28%
Leverage Ratio 11.37%
Loan-to-Deposit 95.41%

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