BlastPoint's Banking Scorecard

Liberty National Bank

$1B-$10B Specialty: Commercial OK FDIC cert 11522

Designations: ✓ Community bank

Lawton, OK

9 branches across OK · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
Deposits +7.2% year over year ($1.2B on the books).
Delinquency rate 0.02%.
Return on assets 2.15%.
Efficiency ratio 49.52% vs a 59.73% peer average.
Loan-to-deposit ratio 74.32% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in OK

View $1B-$10B leaderboard (OK) →

Liberty National Bank shows strong momentum with 5 strengths and 8.0% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 0.76% above tier average
+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.66% below tier average
+ Net Interest Margin 0.31% above tier average
+ Efficiency Ratio 10.21% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Liberty National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$1.3B +8.0% YoY +0.5% QoQ	-$1.5B	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$875.9M -0.7% YoY +2.1% QoQ	-$1.1B	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$1.2B +7.2% YoY +0.3% QoQ	-$1.1B	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	2.15% +2.2% YoY +2.0% QoQ	+0.76%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 7.7% in tier
Net Interest Margin ?	4.18% +1.2% YoY +3.4% QoQ	+0.31%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	49.52% -0.0% YoY +0.3% QoQ	-10.21%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.02% -48.9% YoY -15.4% QoQ	-0.85%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Top 5.2% in tier
Loan-to-Deposit Ratio ?	74.32% -7.3% YoY +1.9% QoQ	-10.71%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	12.72% +19.4% YoY -2.3% QoQ	-8.55%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	0.01% -79.4% YoY -14.0% QoQ	-0.66%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Top 4.9% in tier
Tier 1 Capital Ratio ?	14.38% +9.8% YoY -0.7% QoQ	-0.46%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.17% -18.8% YoY +90.6% QoQ	-0.36%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	12.7% +2.1pp YoY -0.3pp QoQ	-8.6pp	21.4%	23.9%	22.2%	17%
Brokered Deposits	29.6% -2.4pp YoY -0.7pp QoQ	+20.2pp	9.5%	9.7%	8.5%	94%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	18.8% +2.0pp YoY -0.1pp QoQ	+4.8pp	14.0%	15.7%	12.5%	78%
CRE	50.3% -2.6pp YoY -0.5pp QoQ	+0.3pp	50.0%	42.0%	41.4%	52%
1-4 Family	17.1% +1.2pp YoY -0.2pp QoQ	-9.3pp	26.4%	24.0%	31.3%	36%
Consumer	0.7% -0.2pp YoY 0.0pp QoQ	-4.0pp	4.7%	5.6%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	14.4% +1.3pp YoY -0.1pp QoQ	-1.2pp	15.6%	17.0%	19.7%	63%
Leverage Ratio	10.3% +0.4pp YoY 0.0pp QoQ	-1.0pp	11.3%	11.7%	12.6%	45%
Total Capital Ratio	15.5% +1.3pp YoY -0.1pp QoQ	-1.2pp	16.7%	18.2%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	152 +3 (+2.0%) YoY -2 (-1.3%) QoQ	-162	313	150	482	23%
Assets per Employee ($)	$8.7M +5.9% YoY +1.9% QoQ	-$1.8M	$10.5M	$6.5M	$8.8M	50%
Branch Count	9 0 YoY 0 QoQ	-11	20	8	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.9%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	1.5%	1.0%	2%
Allowance Coverage	62.69x +95.2% YoY +15.8% QoQ	+43.98x	18.71x	61.99x	20.23x	97%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	21.2% -1.8pp YoY +0.3pp QoQ	+8.6pp	12.6%	11.9%	11.6%	93%
Cost of Funds (YTD)	1.9% -0.3pp YoY 0.0pp QoQ	0.0pp	1.9%	1.8%	1.7%	47%
Net Income ($, YTD)	$14.2M +8.0% YoY — QoQ	-$5.0M	$19.2M	$8.7M	$40.4M	57%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#44 of 885 Top 4.9% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.87%

#47 of 882 Top 5.2% in $1B-$10B

Return on Assets

profitability

Value: 2.15%

Peer Median: 1.39%

#69 of 885 Top 7.7% in $1B-$10B

196

Efficiency Ratio

profitability

Value: 49.52%

Peer Median: 59.73%

#196 of 885 Top 22.0% in $1B-$10B

199

Loan-to-Deposit Ratio

liquidity

Value: 74.32%

Peer Median: 85.04%

#199 of 885 Top 22.4% in $1B-$10B

209

Net Interest Margin

profitability

Value: 4.18%

Peer Median: 3.87%

#209 of 885 Top 23.5% in $1B-$10B

Top Weaknesses (4 metrics)

729

Non-Interest-Bearing Deposit Share

funding

Value: 12.72%

Peer Median: 21.27%

#729 of 885 Bottom 17.7% in $1B-$10B

701

Total Loans

size

Value: $875.94M

Peer Median: $1.96B

#701 of 885 Bottom 20.9% in $1B-$10B

675

Total Assets

size

Value: $1.32B

Peer Median: $2.79B

#675 of 885 Bottom 23.8% in $1B-$10B

669

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#669 of 885 Bottom 24.5% in $1B-$10B