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The Liberty National Bank In Paris
Paris, TX · FDIC Certificate #3384 · Chartered 04/1
Total assets
$452.14M
Total deposits
$364.66M
Total equity
$54.83M
Net loans
$324.36M
Branches (offices)
2
Net income (YTD)
$3.53M
Rank: #1,904 of 4,213 U.S. banks by assets · #170 of 346 in Texas. Assets changed -3.3% and deposits -11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.55% |
| Return on equity | 13.26% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 12.13% |
| Tier 1 leverage ratio | 12.76% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.88% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 81.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $263.31M | 81.2% | |
| Commercial & industrial | $41.06M | 12.7% | |
| Consumer / individual | $17.22M | 5.3% | |
| Construction & development | $16.02M | 4.9% | |
| Agricultural | $8.58M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $392.18M | $344.84M | $2.47M | $46.65M |
| Jun 2023 | $403.22M | $355.37M | $2.08M | $46.30M |
| Jun 2024 | $431.06M | $375.72M | $2.07M | $48.00M |
| Jun 2025 | $467.46M | $413.18M | $3.01M | $52.04M |
| Jun 2026 | $452.14M | $364.66M | $3.53M | $54.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $364.66M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $364.66M.
Similar-sized banks
The City National Bank Of Colorado City ($452.42M) · The Pittsfield Co-Operative Bank ($451.50M)
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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