First Liberty Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 136.50 percentage points higher than in Q1 2026, at 362.05%. Within Texas, First Liberty Bank is 191st of 345 on return on assets, 1.39% as of Q2 2026, below the middle of the field. First Liberty Bank reported 1.39% on return on assets for Q2 2026, 0.14 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.76% |
| Tier 1 risk-based capital ratio | 15.76% |
| Total risk-based capital ratio | 16.98% |
| Tier 1 leverage ratio | 10.11% |
| Equity capital to assets | 11.37% |
| Tangible equity to tangible assets | 9.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 3.26% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 362.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 12.45% |
| Net interest margin | 4.80% |
| Efficiency ratio | 61.20% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.96% |
| Core deposits to total deposits | 85.54% |
| Brokered deposits to total deposits | 1.41% |
| Deposits to assets | 87.41% |
| Securities to assets | 27.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.00% | 14.00% | 15.17% | 9.66% | 0.37% |
| Q4 2023 | 13.95% | 13.95% | 15.14% | 9.44% | -0.01% |
| Q1 2024 | 14.42% | 14.42% | 15.61% | 9.56% | 0.82% |
| Q2 2024 | 15.12% | 15.12% | 16.34% | 9.69% | 1.05% |
| Q3 2024 | 16.07% | 16.07% | 17.28% | 9.79% | 1.12% |
| Q4 2024 | 15.72% | 15.72% | 16.91% | 10.09% | 1.14% |
| Q1 2025 | 17.71% | 17.71% | 18.61% | 10.56% | 1.18% |
| Q2 2025 | 17.19% | 17.19% | 18.17% | 9.50% | 1.40% |
| Q3 2025 | 15.94% | 15.94% | 17.06% | 9.82% | 1.22% |
| Q4 2025 | 15.90% | 15.90% | 17.13% | 10.26% | 1.49% |
| Q1 2026 | 15.87% | 15.87% | 17.10% | 9.68% | 1.25% |
| Q2 2026 | 15.76% | 15.76% | 16.98% | 10.11% | 1.39% |
First Liberty Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Liberty Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3301) · FFIEC NIC profile (RSSD 629353)