First Liberty Bank
Asset quality shifted last quarter — NPLs rose to 2.63% from 1.88% in the prior period. Operating from Oklahoma City, OK, First Liberty Bank serves its local market as an FDIC-insured commercial bank, in the Oklahoma City metropolitan region. On its most recent Q1 2026 call report, First Liberty reported $835M in total assets against $721M in deposits. Profitability tracks the broader industry — ROA 0.98%, ROE 8.66%, NIM 3.97%. Capital is comfortably above regulatory minimums — CET1 ratio of 13.11% sits well above the 7% well-capitalized threshold. Credit conditions bear watching: 2.63% NPL ratio with a 17.31% Texas Ratio (elevated but below the 100% concern level). 3 branches make up the footprint.
Headquarters Profile
- Address
- 9601 N May Ave, OKLAHOMA CITY, OK 73120
- County
- Oklahoma
- Metro Area
- OKLAHOMA CITY, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- December 12, 1933
- Branches
- 3 domestic
- Employees (FTE)
- 95
- FDIC Cert
- 14029
- Fed RSSD
- 898850
- Website
- www.myfirstliberty.com →
- Parent Holding Company
- FIRST LIBERTY BANCSHARES, INC. (RSSD 1064924)
Capital & Liquidity
Inside the full First Liberty Bank terminal
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First Liberty Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare First Liberty Bank with peers
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Frequently asked about First Liberty Bank
What are First Liberty Bank's total assets?
As of the Q1 2026 filing, First Liberty Bank reported total assets of $835.3 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 13.11% 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 17.31% — 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.
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