Liberty National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 855.05 percentage points higher than in Q1 2026, at 6269.18%. Within Oklahoma, Liberty National Bank is 26th of 169 on return on assets, 2.19% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Liberty National Bank reported 2.19% on return on assets in Q2 2026, 0.91 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.38% |
| Tier 1 risk-based capital ratio | 14.38% |
| Total risk-based capital ratio | 15.47% |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 10.23% |
| Tangible equity to tangible assets | 10.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.11% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 6269.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.19% |
| Return on equity | 21.62% |
| Net interest margin | 4.28% |
| Efficiency ratio | 48.99% |
| Yield on earning assets | 6.11% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.17% |
| Core deposits to total deposits | 65.81% |
| Brokered deposits to total deposits | 29.61% |
| Deposits to assets | 89.22% |
| Securities to assets | 16.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.25% | 11.25% | 12.22% | 8.78% | 2.01% |
| Q4 2023 | 11.50% | 11.50% | 12.48% | 8.85% | 1.41% |
| Q1 2024 | 11.89% | 11.89% | 12.91% | 8.58% | 1.31% |
| Q2 2024 | 11.85% | 11.85% | 12.89% | 8.43% | 1.56% |
| Q3 2024 | 11.80% | 11.80% | 12.85% | 8.66% | 1.53% |
| Q4 2024 | 12.33% | 12.33% | 13.43% | 9.31% | 1.72% |
| Q1 2025 | 12.82% | 12.82% | 13.91% | 9.54% | 2.11% |
| Q2 2025 | 13.10% | 13.10% | 14.21% | 9.92% | 2.10% |
| Q3 2025 | 13.63% | 13.63% | 14.74% | 10.57% | 2.36% |
| Q4 2025 | 14.72% | 14.72% | 15.85% | 10.77% | 2.53% |
| Q1 2026 | 14.49% | 14.49% | 15.60% | 10.29% | 2.14% |
| Q2 2026 | 14.38% | 14.38% | 15.47% | 10.31% | 2.19% |
Liberty National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Liberty National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11522) · FFIEC NIC profile (RSSD 68756)