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Liberty Capital Bank
Addison, TX · FDIC Certificate #58852 · Chartered 09/1
Total assets
$767.87M
Total deposits
$675.91M
Total equity
$86.08M
Net loans
$615.07M
Branches (offices)
4
Net income (YTD)
$5.80M
Rank: #1,301 of 4,213 U.S. banks by assets · #115 of 346 in Texas. Assets changed 52.0% and deposits 54.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 13.72% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 11.21% |
| Tier 1 leverage ratio | 10.89% |
| Uninsured deposits (share of deposits) | 51.3% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.0% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $524.05M | 85.2% | |
| Commercial & industrial | $60.30M | 9.8% | |
| Consumer / individual | $3.09M | 0.5% | |
| Construction & development | $61.48M | 10.0% | |
| Agricultural | $1.38M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $464.70M | $423.34M | $2.81M | $40.13M |
| Jun 2023 | $399.18M | $332.80M | $3.06M | $44.48M |
| Jun 2024 | $414.82M | $365.50M | $1.95M | $47.93M |
| Jun 2025 | $505.29M | $437.12M | $4.31M | $50.54M |
| Jun 2026 | $767.87M | $675.91M | $5.80M | $86.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $675.91M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $675.91M.
Similar-sized banks
Midwest Heritage Bank, FSB ($768.31M) · West Plains Bank And Trust Company ($767.87M)
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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