Liberty Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Liberty Capital Bank is an FDIC-insured commercial bank headquartered in Addison, TX, established in 2008 (FDIC certificate 58852), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $767.9M, up 52.0% from Q2 2025, the 115th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.55% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58852
- Headquarters
- Addison, TX
- Established
- 2008
- Total assets, Q2 2026
- $767.9M
- Assets vs Q2 2025
- +52.0%
- CET1 ratio, Q2 2026
- 12.55%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111925935
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Capital Bank call report
- Holding company
- LIBERTY CAPITAL BANCSHARES. INC.
- Asset rank in state
- 115th of 346 in Texas
Liberty Capital Bank leans heavily on commercial real estate. Based in Addison, Texas, it had $768 million in assets at June 30, 2026, up 52.0% from a year earlier. It holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 60.2% over the year, 11.0 times the median of 5.5% for banks its size.
Net income for the quarter rose 21% from a year earlier, to $2.7 million. Where it has less room is capital: it holds common equity equal to 12.55% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Liberty Capital Bank reported a CET1 capital ratio of 12.55%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.52%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Liberty Capital Bank is the 115th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.8% to $767.9M, loans rose 9.0% and deposits rose 4.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 38.2% of total loans, followed by 1-4 family residential loans at 21.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Addison office books 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, Liberty Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5055 Keller Springs Rd, Addison, TX 75001
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 15, 2008
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $675.9M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $753.5M
- Average total loans
- $598.6M
- Average interest-bearing deposits
- $478.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 15, 2008
- FDIC Cert
- 58852
- Fed RSSD
- 3690121
- SEC CIK
- 1902720 → filed by LIBERTY CAPITAL BANCSHARES. INC.
- Website
- libertycapital.bank →
- Parent Holding Company
- LIBERTY CAPITAL BANCSHARES. INC. (RSSD 3810956)
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
Over the 12 quarters to Q2 2026, Liberty Capital Bank's total assets ran between $389.1M (Q1 2024) and $767.9M (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
$767.9M total assets against $505.3M; $681.8M total liabilities against $454.8M.
$615.1M net loans and leases against $384.0M; $675.9M total deposits against $437.1M.
$9.1M securities against $10.1M; $124.1M cash and balances due against $105.8M.
$11.2M total interest income against $7.2M; $3.7M total interest expense against $2.7M.
$7.5M net interest income against $4.5M.
$201K total noninterest income against $31K; $4.7M total noninterest expense against $2.1M.
$383K provision for credit losses against $280K.
$2.7M net income against $2.2M.
1.42% return on assets against 1.91%; 4.10% net interest margin against 3.96%.
12.55% CET1 capital ratio against 13.45%; 10.89% tier 1 leverage ratio against 11.34%.
Inside the full Liberty Capital 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Liberty Capital Bank rankings
Its closest position to the top of a national ranking is 1,293 of 4,196, for total assets; its furthest is 2,941 of 3,640, for Texas Ratio.
Banks merged into Liberty Capital Bank
- Texas Heritage Bank, effective October 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.42% (Q2 2026) to 2.01% (Q4 2025) and its net interest margin ran from 3.75% (Q3 2024) to 8.71% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.55% | 1.42% | 0.07% | 0.52% | 4.10% |
| Q1 2026 | 13.58% | 1.73% | 0.05% | 0.32% | 4.30% |
| Q4 2025 | 12.76% | 2.01% | 0.01% | 0.09% | 8.71% |
| Q3 2025 | 13.06% | 1.97% | 0.00% | 0.00% | 3.95% |
| Q2 2025 | 13.45% | 1.91% | 0.07% | 0.48% | 3.96% |
| Q1 2025 | 14.16% | 1.93% | 0.00% | 0.00% | 3.97% |
| Q4 2024 | 14.67% | 1.82% | 0.00% | 0.00% | 3.86% |
| Q3 2024 | 15.13% | 1.77% | 0.00% | 0.00% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Liberty Capital Bank (main office) | Addison , TX | 75001 | $471.2M |
| Texas Heritage Bank Branch | Boerne , TX | 78006 | $147.1M |
| Cross Plains Branch | Cross Plains , TX | 76443 | $43.7M |
| Leon Springs - Branch | San Antonio , TX | 78257 | $13.8M |
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 |
|---|---|---|---|
| October 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2025 | Structure Change | Acquired Texas Heritage 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
- <0.1% of deposits in TX, rank 150 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $347K approved, $347K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Liberty Capital Bank
What are Liberty Capital Bank's total assets?
As of the Q2 2026 filing, Liberty Capital Bank reported total assets of $767.9 million in its FFIEC call report.
Where is Liberty Capital Bank headquartered?
It is headquartered in Addison, TX, United States.
When was Liberty Capital Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Liberty Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58852). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Capital Bank?
Liberty Capital Bank's primary federal regulator is the FDIC.
What is Liberty Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Liberty Capital Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Capital Bank's Texas Ratio?
Its Texas Ratio is 0.52% 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.
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