FIRST LIBERTY BANK
FIRST LIBERTY BANK is an FDIC-insured commercial bank headquartered in OKLAHOMA CITY, OK, established in 1933. As of , 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 4.16%. CET1 capital ratio: 13.02%, well above regulatory minimums. NPL ratio: 1.88% · Texas Ratio: 12.43%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Liberty Bank rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 13.02% | 1.29% | 1.88% | 12.43% | 4.16% |
| 2025-09-30 | 13.25% | 1.22% | 1.93% | 13.29% | 4.12% |
| 2025-06-30 | 12.87% | 1.35% | 1.80% | 12.93% | 4.08% |
| 2025-03-31 | 12.81% | 1.08% | 1.86% | 13.39% | 4.10% |
| 2024-12-31 | 13.05% | 1.27% | 2.01% | 14.06% | 3.99% |
| 2024-09-30 | 13.14% | 1.12% | 1.24% | 8.76% | 4.00% |
| 2024-06-30 | 13.50% | 1.09% | 1.33% | 9.12% | 3.94% |
| 2024-03-31 | 13.37% | 0.98% | 2.71% | 20.61% | 3.86% |
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Frequently asked about FIRST LIBERTY BANK
What are First Liberty Bank's total assets?
As of the Q4 2025 filing, First Liberty Bank reported total assets of $851.2 million in its most recent 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 OKLAHOMA CITY, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Liberty Bank founded?
First Liberty Bank was established in 1933, per the FDIC institution directory.
Is First Liberty Bank FDIC-insured?
Yes. First Liberty Bank is an FDIC-insured commercial bank (FDIC Certificate #14029). 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 FDIC. 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 13.02% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Liberty Bank operate?
First Liberty Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Liberty Bank's Texas Ratio?
First Liberty Bank's Texas Ratio is 12.43% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.