The Liberty National Bank in Paris: 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.
Reserve coverage of non-performing loans dropped 178.13 percentage points in Q2 2026, from 716.46% to 538.33%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Liberty National Bank in Paris is 146th of 345 on return on assets, 1.61% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Liberty National Bank in Paris sits 0.35 points higher, at 1.61% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.76% |
| Equity capital to assets | 12.13% |
| Tangible equity to tangible assets | 12.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 5.17% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | 538.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 13.41% |
| Net interest margin | 3.76% |
| Efficiency ratio | 47.30% |
| Yield on earning assets | 5.42% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.56% |
| Core deposits to total deposits | 82.22% |
| Brokered deposits to total deposits | 2.75% |
| Deposits to assets | 80.65% |
| Securities to assets | 19.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.03% | 0.94% | 2.94% | 0.02% | -0.01% |
| Q4 2023 | 12.34% | 0.64% | 2.85% | 0.03% | 0.07% |
| Q1 2024 | 12.26% | 0.83% | 2.71% | 0.08% | 0.03% |
| Q2 2024 | 12.23% | 1.09% | 2.91% | 0.06% | 0.10% |
| Q3 2024 | 12.52% | 1.18% | 3.05% | 0.04% | 0.06% |
| Q4 2024 | 12.00% | 1.02% | 3.25% | 0.02% | 0.07% |
| Q1 2025 | 11.83% | 1.22% | 3.17% | 0.06% | 0.44% |
| Q2 2025 | 12.21% | 1.44% | 3.36% | 0.21% | -0.03% |
| Q3 2025 | 12.56% | 1.45% | 3.41% | 0.02% | 0.14% |
| Q4 2025 | 11.74% | 1.00% | 3.52% | 0.06% | 0.06% |
| Q1 2026 | 12.27% | 1.51% | 3.67% | 0.25% | 0.22% |
| Q2 2026 | 12.76% | 1.61% | 3.76% | 0.33% | 0.11% |
The Liberty National Bank in Paris vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Liberty National Bank in Paris, 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 The Liberty National Bank in Paris profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3384) · FFIEC NIC profile (RSSD 1669)