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 Oklahoma City, OK 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 | 1.20% | 1.34% | -0.14% | 45th below |
| ROAE | 10.36% | 13.32% | -2.96% | 38th below |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 63.06% | 61.14% | +1.92% | 45th below |
| PPNR / Avg Assets | 1.68% | 1.68% | +0.00% | 56th above |
| Yield on Earning Assets | 6.95% | 5.67% | +1.28% | 94th top |
| Cost of Funds | 2.77% | 1.88% | +0.89% | 9th bottom |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.94% | +0.58% | 18th bottom |
| NPA / Total Assets | 1.25% | 0.70% | +0.55% | 15th bottom |
| NCO / Avg Loans | 0.37% | 0.16% | +0.21% | 8th bottom |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 75th top |
| ACL / NPLs (Coverage) | 95.52% | 1540.03% | -1444.51% | 26th below |
| Texas Ratio | 10.20% | 7.33% | +2.87% | 22nd bottom |
| Provision / NCO | 34.62% | 1397.26% | -1362.64% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.93% | 19.51% | -6.58% | 27th below |
| Tier 1 Ratio | 12.93% | 19.55% | -6.62% | 27th below |
| Total Capital Ratio | 14.18% | 20.63% | -6.45% | 28th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.82% | 12.14% | -0.32% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.05% | 11.37% | -0.32% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.05% | 11.09% | -0.04% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.35% | 80.63% | +13.72% | 20th bottom |
| Core Deposit Ratio | 82.58% | 86.86% | -4.28% | 22nd bottom |
| Wholesale Funding Ratio | 1.24% | 5.04% | -3.80% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.31% | 6.85% | +1.46% | 77th top |
| Loan Growth (Y/Y) | 4.31% | 7.91% | -3.60% | 44th below |
| Deposit Growth (Y/Y) | 10.20% | 6.28% | +3.92% | 83rd top |
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.