First Liberty Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Liberty Bank of Liberty, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.34% | +0.05% | 57th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.45% | 13.31% | -0.86% | 51st above |
| Net Interest Margin | 4.80% | 3.93% | +0.87% | 88th top |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.20% | 61.14% | +0.06% | 50th above |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 1.37% | 1.88% | -0.51% | 76th top |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.30% | 0.70% | -0.40% | 51st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 19th bottom |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 362.05% | 1539.76% | -1177.71% | 64th above |
| Texas Ratio | 3.26% | 7.33% | -4.07% | 52nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 246.89% | 1396.97% | -1150.08% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.76% | 19.51% | -3.75% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.76% | 19.54% | -3.78% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.98% | 20.63% | -3.65% | 56th above |
| Leverage Ratio | 10.11% | 12.14% | -2.03% | 34th below |
| Equity / Assets | 11.37% | 11.37% | +0.00% | 65th above |
| TCE / Tangible Assets | 9.88% | 11.09% | -1.21% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.96% | 80.65% | -15.69% | 77th top |
| Core Deposit Ratio | 85.54% | 86.86% | -1.32% | 32nd below |
| Wholesale Funding Ratio | 0.57% | 5.04% | -4.47% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.80% | 6.85% | -1.05% | 61st above |
| Loan Growth (Y/Y) | 23.43% | 7.89% | +15.54% | 95th top |
| Deposit Growth (Y/Y) | 6.78% | 6.29% | +0.49% | 69th above |
See First Liberty Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Liberty Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Liberty Bank profile, how to read a UBPR, or how this data updates.