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First Liberty Bank
Liberty, TX · FDIC Certificate #3301 · Chartered 01/0
Total assets
$873.24M
Total deposits
$763.33M
Total equity
$99.33M
Net loans
$489.47M
Branches (offices)
11
Net income (YTD)
$5.87M
Rank: #1,167 of 4,213 U.S. banks by assets · #104 of 346 in Texas. Assets changed 5.8% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 11.94% |
| Net interest margin (YTD) | 4.71% |
| Equity to assets | 11.37% |
| Tier 1 leverage ratio | 10.11% |
| Uninsured deposits (share of deposits) | 37.6% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 64.1% |
| Real estate loans (share of loans) | 87.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $428.98M | 87.6% | |
| Commercial & industrial | $47.25M | 9.7% | |
| Consumer / individual | $7.34M | 1.5% | |
| Construction & development | $94.25M | 19.3% | |
| Agricultural | $12.50M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $429.81M | $375.85M | $2.46M | $35.99M |
| Jun 2023 | $461.50M | $395.72M | $1.49M | $36.69M |
| Jun 2024 | $501.04M | $419.16M | $2.29M | $41.62M |
| Jun 2025 | $825.38M | $714.85M | $5.15M | $90.74M |
| Jun 2026 | $873.24M | $763.33M | $5.87M | $99.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $763.33M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $763.33M.
Similar-sized banks
Ks Bank, Inc. ($874.46M) · Falcon National Bank ($872.31M)
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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