First Liberty Bank (Liberty, TX)
BankRegReports is independent of First Liberty Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Liberty Bank is an FDIC-insured commercial bank headquartered in Liberty, TX, established in 1913 (FDIC certificate 3301), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $873.2M, up 5.8% from Q2 2025, the 104th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.76% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3301
- Headquarters
- Liberty, TX
- Established
- 1913
- Total assets, Q2 2026
- $873.2M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 15.76%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 113116056
- Holding company
- FIRST LIBERTY NATIONAL BANCSHARES, INC.
- Asset rank in state
- 104th of 346 in Texas
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 0.42% and a Texas ratio of 2.97%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First Liberty Bank is the 104th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.9% to $873.2M, loans rose 3.0% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.3% of total loans, ahead of owner-occupied commercial real estate loans at 21.8%. The FDIC Summary of Deposits lists 11 offices for it, in 9 cities in TX; its Liberty 2 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, First Liberty Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 11 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Liberty Bank's total assets ran between $468.3M (Q3 2023) and $890.0M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$873.2M total assets against $825.4M; $773.9M total liabilities against $734.6M.
$489.5M net loans and leases against $397.4M; $763.3M total deposits against $714.9M.
$244.1M securities against $254.2M; $85.6M cash and balances due against $120.3M.
$12.5M total interest income against $11.6M; $2.7M total interest expense against $2.8M.
$9.8M net interest income against $8.8M.
$1.4M total noninterest income against $1.4M; $7.1M total noninterest expense against $5.8M.
$299K provision for credit losses against $699K.
$3.1M net income against $3.0M.
1.39% return on assets against 1.40%; 4.80% net interest margin against 4.55%.
15.76% CET1 capital ratio against 17.19%; 10.11% tier 1 leverage ratio against 9.50%.
Inside the full First Liberty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Liberty Bank rankings
Its closest position to the top of a national ranking is 1,159 of 4,196, for total assets; its furthest is 1,962 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q3 2024) to 1.49% (Q4 2025) and its net interest margin ran from 3.80% (Q3 2024) to 5.11% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.76% | 1.39% | 0.42% | 2.97% | 4.80% |
| Q1 2026 | 15.87% | 1.25% | 0.57% | 3.33% | 4.49% |
| Q4 2025 | 15.90% | 1.49% | 0.34% | 2.28% | 5.11% |
| Q3 2025 | 15.94% | 1.22% | 0.29% | 1.94% | 4.84% |
| Q2 2025 | 17.19% | 1.40% | 0.19% | 0.98% | 4.55% |
| Q1 2025 | 17.71% | 1.18% | 0.16% | 1.03% | 3.93% |
| Q4 2024 | 15.72% | 1.14% | 0.43% | 3.47% | 4.12% |
| Q3 2024 | 16.07% | 1.12% | 0.36% | 3.89% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 441 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Liberty Bank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is First Liberty Bank headquartered?
It is headquartered in Liberty, TX, United States.
When was First Liberty Bank founded?
It was established in 1913, per the FDIC institution directory.
Is First Liberty Bank FDIC-insured?
Yes. It 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.
What is First Liberty Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on First Liberty Bank.
Get an email when First Liberty Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Liberty Bank, freeFree account