First Liberty Bank (Oklahoma City, OK)
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Data as of · sourced from FFIEC call reports. How we update
First Liberty Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1933 (FDIC certificate 14029), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $885.0M, up 8.3% from Q2 2025, the 33rd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.93% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14029
- Headquarters
- Oklahoma City, OK
- Established
- 1933
- Total assets, Q2 2026
- $885.0M
- Assets vs Q2 2025
- +8.3%
- CET1 ratio, Q2 2026
- 12.93%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103013130
- Holding company
- FIRST LIBERTY BANCSHARES, INC.
- Asset rank in state
- 33rd of 169 in Oklahoma
First Liberty Bank pays more for its money than most banks of its size. It reported $885 million in assets at June 30, 2026, up 8.3% from a year earlier. It pays an average of 2.77% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.07% of loans from 1.06%. Its $224 million non-owner-occupied commercial real estate book is now fully current, after 4.02% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, First Liberty Bank reported a CET1 capital ratio of 12.93%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First Liberty Bank is the 33rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.9% to $885.0M, loans rose 2.6% and deposits rose 6.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.9% of total loans, ahead of commercial and industrial loans at 30.6%. Its 3 offices in the FDIC Summary of Deposits are in Oklahoma City, OK, Norman, OK and Frisco, TX; its Oklahoma City office books 82% of its branch deposits. On its Q2 2026 call report, First Liberty Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 12, 1933
- Former names
- The Farmers State Bank (2005-2006)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 97
- Domestic deposits
- $768.3M
- Allowance for credit losses
- $10.6M
- Net charge-offs (YTD)
- $650K
- Average total assets
- $837.8M
- Average total loans
- $712.2M
- Average interest-bearing deposits
- $580.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14029
- Fed RSSD
- 898850
- SEC CIK
- 1370231 → filed by FIRST LIBERTY HOLDINGS, LLC
- Website
- www.myfirstliberty.com →
- Parent Holding Company
- FIRST LIBERTY BANCSHARES, INC. (RSSD 1064924)
- Ultimate Parent
- FIRST LIBERTY HOLDINGS, LLC (RSSD 3435845)
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
From Q3 2023 to Q2 2026, First Liberty Bank's total assets ranged from $659.1M (Q3 2023) to $885.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$885.0M total assets against $817.1M; $787.2M total liabilities against $724.9M.
$714.3M net loans and leases against $684.6M; $768.3M total deposits against $697.2M.
$41.4M securities against $40.2M; $92.6M cash and balances due against $53.9M.
$14.1M total interest income against $13.8M; $5.1M total interest expense against $5.9M.
$8.9M net interest income against $7.9M.
$649K total noninterest income against $643K; $6.1M total noninterest expense against $4.9M.
$188K provision for credit losses against $16K.
$2.5M net income against $2.7M.
1.20% return on assets against 1.35%; 4.41% net interest margin against 4.07%.
12.93% CET1 capital ratio against 12.87%; 11.82% tier 1 leverage ratio against 11.67%.
Inside the full First Liberty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Liberty Bank rankings
Its closest position to the top of a national ranking is 1,153 of 4,196, for total assets; its furthest is 2,987 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q1 2026) to 1.35% (Q2 2025) and its net interest margin ran from 3.97% (Q1 2026) to 4.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.93% | 1.20% | 0.07% | 0.45% | 4.41% |
| Q1 2026 | 13.11% | 0.98% | 1.11% | 7.32% | 3.97% |
| Q4 2025 | 13.02% | 1.28% | 1.14% | 7.56% | 4.15% |
| Q3 2025 | 13.25% | 1.20% | 1.18% | 8.39% | 4.12% |
| Q2 2025 | 12.87% | 1.35% | 1.06% | 7.90% | 4.07% |
| Q1 2025 | 12.81% | 1.10% | 1.11% | 8.25% | 4.09% |
| Q4 2024 | 13.05% | 1.24% | 1.21% | 8.80% | 3.99% |
| Q3 2024 | 13.14% | 1.12% | 1.24% | 8.76% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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) | Oklahoma City , OK | 73120 | $632.8M |
| First Liberty Bank - Norman Branch | Norman , OK | 73069 | $86.2M |
| Frisco Branch | Frisco , TX | 75034 | $49.3M |
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 |
|---|---|---|---|
| January 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2006 | Structure Change | Acquired The Farmer's State Bank 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.
- Deposit market share
- 0.5% of deposits in OK, rank 37 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 190 applications, 144 loans originated, $50.4M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $885.0 million in its FFIEC call report.
Where is First Liberty Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was First Liberty Bank founded?
It was established in 1933, per the FDIC institution directory.
Is First Liberty Bank FDIC-insured?
Yes. It 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.
What is First Liberty Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Liberty Bank operate?
It operates 3 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 0.45% 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.
What was First Liberty Bank previously called?
The charter now named First Liberty Bank has also operated as The Farmers State Bank (2005-2006), per FDIC structure-change records.
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