Liberty National Bank (Lawton, OK)
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Data as of · sourced from FFIEC call reports. How we update
Liberty National Bank is an FDIC-insured commercial bank headquartered in Lawton, OK, established in 1902 (FDIC certificate 11522), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.32B, up 8.0% from Q2 2025, the 20th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 11522
- Headquarters
- Lawton, OK
- Established
- 1902
- Total assets, Q2 2026
- $1.32B
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 14.38%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 103107392
- Latest call report
- Q2 2026, FFIEC 041 · Liberty National Bank call report
- Holding company
- B.O.E. BANCSHARES, INC.
- Asset rank in state
- 20th of 169 in Oklahoma
Liberty National Bank is one of the more profitable banks of its size. The Lawton, Oklahoma bank had $1.3 billion in assets at June 30, 2026, up 8.0% from a year earlier. It earns about $2.19 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also holds 12% of its deposits (12%) above the FDIC insurance limit, about a third the median of 30.9% for banks its size. Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Net income for the quarter rose 11% from a year earlier, to $7.2 million. Over the same year, loans shrank 0.7% and deposits grew 7.2%.
As of June 30, 2026, Liberty National Bank reported a CET1 capital ratio of 14.38%, a return on assets of 2.19%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.11%. The figures come from its call report filed with the FFIEC.
Liberty National Bank ranks as the 20th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $1.32B, loans rose 2.1% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 24.3% of total loans, ahead of commercial and industrial loans at 18.6%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities across 2 states; its Lawton 3 offices book 57% of its branch deposits. Judged on its Q2 2026 call report, Liberty National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 629 Sw C Ave, Lawton, OK 73501
- County
- Comanche
- Metro Area
- Lawton, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Former names
- Bank of Elgin, National Association (1998-2002)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 152
- Domestic deposits
- $1.18B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $1.33B
- Average total loans
- $889.0M
- Average interest-bearing deposits
- $1.04B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11522
- Fed RSSD
- 68756
- Website
- www.WeAreLiberty.bank →
- Parent Holding Company
- B.O.E. BANCSHARES, INC. (RSSD 1065172)
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, Liberty National Bank's total assets ranged from $1.10B (Q3 2023) to $1.33B (Q4 2025), 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
$1.32B total assets against $1.22B; $1.19B total liabilities against $1.11B.
$875.9M net loans and leases against $881.7M; $1.18B total deposits against $1.10B.
$223.1M securities against $249.4M; $178.2M cash and balances due against $49.4M.
$19.2M total interest income against $18.5M; $5.8M total interest expense against $6.4M.
$13.4M net interest income against $12.2M.
$1.1M total noninterest income against $1.2M; $7.2M total noninterest expense against $6.5M.
$41K provision for credit losses against $329K.
$7.2M net income against $6.5M.
2.19% return on assets against 2.10%; 4.28% net interest margin against 4.16%.
14.38% CET1 capital ratio against 13.10%; 10.31% tier 1 leverage ratio against 9.92%.
Inside the full Liberty National 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.
Liberty National Bank rankings
Its closest position to the top of a national ranking is 323 of 3,611, for ROA; its furthest is 926 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q3 2024) to 2.53% (Q4 2025) and its net interest margin ran from 3.62% (Q3 2024) to 4.38% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 2.19% | 0.02% | 0.11% | 4.28% |
| Q1 2026 | 14.49% | 2.14% | 0.02% | 0.13% | 4.10% |
| Q4 2025 | 14.72% | 2.53% | 0.02% | 0.13% | 4.29% |
| Q3 2025 | 13.63% | 2.36% | 0.03% | 0.22% | 4.38% |
| Q2 2025 | 13.10% | 2.10% | 0.04% | 0.58% | 4.16% |
| Q1 2025 | 12.82% | 2.11% | 0.10% | 0.99% | 4.05% |
| Q4 2024 | 12.33% | 1.72% | 0.04% | 0.65% | 3.97% |
| Q3 2024 | 11.80% | 1.53% | 0.06% | 0.83% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 National Bank (main office) | Lawton , OK | 73501 | $562.8M |
| Chickasha Branch | Chickasha , OK | 73018 | $232.7M |
| Liberty National Bank - West Gore | Lawton , OK | 73505 | $85.7M |
| Liberty National Bank - Elgin Branch | Elgin , OK | 73538 | $76.5M |
| Plano, Texas Branch | Plano , TX | 75024 | $68.1M |
| Blanchard Branch | Blanchard , OK | 73010 | $54.3M |
| South Penn Branch | Oklahoma City , OK | 73170 | $42.3M |
| Apache Branch | Apache , OK | 73006 | $35.3M |
| Liberty National Bank - Medicine Par Branch | Lawton , OK | 73507 | $20.8M |
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 |
|---|---|---|---|
| September 22, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 20, 2014 | Structure Change | Acquired Chickasha Bank & Trust Company 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.
- Enforcement actions
- 2 against the institution (OCC)
- March 25, 2008, OCC: Civil Money Penalty (CMP): Liberty National Bank
- December 27, 2007, OCC: Formal Agreement: Liberty National Bank
- Period: Most recent institution action March 25, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in OK, rank 25 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 192 applications, 174 loans originated, $40.7M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.1M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank
What are Liberty National Bank's total assets?
As of the Q2 2026 filing, Liberty National Bank reported total assets of $1.32 billion in its FFIEC call report.
Where is Liberty National Bank headquartered?
It is headquartered in Lawton, OK, United States.
When was Liberty National Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Liberty National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty National Bank?
Liberty National Bank's primary federal regulator is the OCC.
What is Liberty National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Liberty National Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty National Bank's Texas Ratio?
Its Texas Ratio is 0.11% 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 Liberty National Bank previously called?
The charter now named Liberty National Bank has also operated as Bank of Elgin, National Association (1998-2002), per FDIC structure-change records.
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