Liberty National Bank (Lawton, OK): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Liberty National Bank is a community bank chartered in 1902, based in Lawton, OK. The Q2 2026 balance sheet stands at $1.3B in assets, including $886M in loans. Returns are notably above industry norms: 2.19% ROA, 21.62% ROE, and 4.28% NIM. Capital cushions are healthy: 14.38% CET1, 10.31% Tier 1 leverage. Asset quality is pristine, 0.02% NPLs and a 0.11% Texas Ratio. 9 branches make up the footprint.
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%, a Texas ratio of 0.11%, per financial data filed with the FFIEC.
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)
- Offices
- 9 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Liberty National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Liberty National 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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% | 0.04% | 0.83% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| 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
What the public regulatory sources show for Liberty National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 194 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Liberty National Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Liberty National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Liberty National Bank headquartered?
Liberty National Bank is headquartered in Lawton, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Liberty National Bank founded?
Liberty National Bank was established in 1902, per the FDIC institution directory.
Is Liberty National Bank FDIC-insured?
Yes. Liberty National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Liberty National Bank's CET1 capital ratio?
Liberty National Bank 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?
Liberty National Bank 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?
Liberty National Bank's Texas Ratio is 0.11% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on Liberty National Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Liberty National Bank, freeFree account