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First Liberty Bank
Oklahoma City, OK · FDIC Certificate #14029 · Chartered 12/1
Total assets
$885.02M
Total deposits
$768.32M
Total equity
$97.80M
Net loans
$714.32M
Branches (offices)
3
Net income (YTD)
$4.58M
Rank: #1,161 of 4,213 U.S. banks by assets · #33 of 168 in Oklahoma. Assets changed 8.3% and deposits 10.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 9.51% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 11.05% |
| Tier 1 leverage ratio | 11.82% |
| Uninsured deposits (share of deposits) | 26.9% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 93.0% |
| Real estate loans (share of loans) | 70.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $502.50M | 70.3% | |
| Commercial & industrial | $221.51M | 31.0% | |
| Consumer / individual | $843.00K | 0.1% | |
| Construction & development | $80.10M | 11.2% | |
| Agricultural | $32.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $537.57M | $468.60M | $3.40M | $58.73M |
| Jun 2023 | $615.88M | $512.52M | $3.02M | $60.68M |
| Jun 2024 | $727.23M | $607.78M | $3.71M | $86.11M |
| Jun 2025 | $817.14M | $697.20M | $4.89M | $92.29M |
| Jun 2026 | $885.02M | $768.32M | $4.58M | $97.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $718.98M | 2 |
| Texas | $49.34M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $768.32M.
Similar-sized banks
Newfield National Bank ($889.12M) · Pioneer Bank ($883.76M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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