BlastPoint's Banking Scorecard
Liberty National Bank
Designations: ✓ Community bank
Lawton, OK
9 branches across OK · TX
Liberty National Bank shows strong momentum with 5 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.74% above tier average
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.66% below tier average
- + Net Interest Margin 0.22% above tier average
- + Efficiency Ratio 11.67% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+5.7% YoY
-1.2% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$857.6M
+0.7% YoY
+0.5% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$1.2B
+4.9% YoY
-1.2% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
2.11%
+0.3% YoY
-6.4% QoQ
|
+0.74% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 7.7% in tier |
| Net Interest Margin ? |
4.04%
-1.2% YoY
-3.4% QoQ
|
+0.22% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
49.39%
-2.0% YoY
+2.5% QoQ
|
-11.67% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
0.02%
-77.7% YoY
-2.1% QoQ
|
-0.87% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 4.3% in tier |
| Loan-to-Deposit Ratio ? |
72.97%
-4.1% YoY
+1.7% QoQ
|
-11.24% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
13.02%
+18.0% YoY
+17.9% QoQ
|
-8.27% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.01%
-85.7% YoY
-0.4% QoQ
|
-0.66% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 4.1% in tier |
| Tier 1 Capital Ratio ? |
14.49%
+13.0% YoY
-1.6% QoQ
|
-0.67% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.09%
-20.1% YoY
-79.7% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
27% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.