BlastPoint

BlastPoint's Banking Scorecard

First Liberty Bank

$100M-$1B Specialty: Commercial OK FDIC cert 14029

Oklahoma City, OK

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +10.2% year over year ($768.3M on the books).
  • Delinquency rate 0.07%.
  • Return on assets 1.07%.
  • Efficiency ratio 65.26% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.97% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

First Liberty Bank has 2 strengths but faces 3 concerns

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

  • + Net Interest Margin 0.22% above tier average
  • + Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 23.9% in tier
  • - Margin Compression: Bottom 51.8% in tier
  • - Cost Spiral: Bottom 53.6% in tier
Get updates when First Liberty 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 ? $885.0M
+8.3% YoY +5.9% QoQ
+$498.4M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Top 4.4% in tier
Total Loans ? $714.3M
+4.3% YoY +2.7% QoQ
+$456.0M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 1.9% in tier
Total Deposits ? $768.3M
+10.2% YoY +6.6% QoQ
+$441.6M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Top 3.6% in tier
Return on Assets ? 1.07%
-12.3% YoY +8.9% QoQ
-0.25% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 4.21%
+2.0% YoY +3.1% QoQ
+0.22% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 65.26%
+11.8% YoY -3.3% QoQ
+0.78% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.07%
-93.6% YoY -93.9% QoQ
-0.85% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 92.97%
-5.3% YoY -3.7% QoQ
+15.02% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 21.73%
+20.8% YoY +16.6% QoQ
-0.30% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.06%
-94.4% YoY -94.1% QoQ
-0.61% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 12.93%
+0.5% YoY -1.4% QoQ
-2.98% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.15%
-2.9% YoY +87.1% QoQ
-0.42% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
34%

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 21.7%
+3.7pp YoY
+3.1pp QoQ
 -0.4pp 22.1% 23.9% 22.2% 53%
Brokered Deposits 3.4%
-6.8pp YoY
+1.1pp QoQ
 -4.5pp 7.9% 9.7% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 31.0%
-3.6pp YoY
-1.9pp QoQ
 +19.5pp 11.6% 15.7% 12.5% 96%
CRE 53.5%
+4.5pp YoY
+2.0pp QoQ
 +14.0pp 39.5% 42.0% 41.4% 76%
1-4 Family 16.8%
-0.9pp YoY
-0.3pp QoQ
 -15.8pp 32.6% 24.0% 31.3% 23%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.6% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 12.9%
+0.1pp YoY
-0.2pp QoQ
 -5.9pp 18.8% 17.0% 19.7% 27%
Leverage Ratio 11.8%
+0.2pp YoY
+0.4pp QoQ
 -0.4pp 12.2% 11.7% 12.6% 63%
Total Capital Ratio 14.2%
+0.1pp YoY
-0.2pp QoQ
 -5.8pp 19.9% 18.2% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 97
+9 (+10.2%) YoY
+2 (+2.1%) QoQ
 +38 58 150 482 86%
Assets per Employee ($) $9.1M
-1.7% YoY
+3.8% QoQ
 +$1.6M $7.5M $6.5M $8.8M 80%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 0.1%
-1.0pp YoY
-1.1pp QoQ
 -0.9pp 0.9% 1.5% 1.0% 14%
Allowance Coverage 21.46x
+1434.9% YoY
+1420.7% QoQ
 -2.69x 24.15x 61.99x 20.23x 89%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
 0.0pp 0.1% 0.2% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 9.5%
-1.3pp YoY
+0.8pp QoQ
 -2.7pp 12.2% 11.9% 11.6% 34%
Cost of Funds (YTD) 2.6%
-0.4pp YoY
-0.1pp QoQ
 +0.9pp 1.7% 1.8% 1.7% 92%
Net Income ($, YTD) $4.6M
-6.3% YoY
— QoQ
 +$2.0M $2.6M $8.7M $40.4M 85%

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 (3)

Liquidity Strain

risk
#166 of 691 • Bottom 23.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.97%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline
#160 of 307 • Bottom 51.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.07%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk
#75 of 138 • Bottom 53.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 65.26%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

52
Total Loans
size
Value: $714.32M
Peer Median: $258.35M
#52 of 2643 Top 1.9% in $100M-$1B
95
Total Deposits
size
Value: $768.32M
Peer Median: $326.73M
#95 of 2643 Top 3.6% in $100M-$1B
118
Total Assets
size
Value: $885.02M
Peer Median: $386.57M
#118 of 2643 Top 4.4% in $100M-$1B
589
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#589 of 2643 Top 22.2% in $100M-$1B
604
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.92%
#604 of 2633 Top 22.9% in $100M-$1B

Top Weaknesses (1 metrics)

2106
Loan-to-Deposit Ratio
liquidity
Value: 92.97%
Peer Median: 77.95%
#2106 of 2643 Bottom 20.4% in $100M-$1B
Powered by BlastPoint © 2026