BlastPoint's Banking Scorecard

First Liberty Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3301

Liberty, TX

11 branches across 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 219 in TX.
Deposits +6.8% year over year ($763.3M on the books).
Delinquency rate 0.43%.
Return on assets 1.34%.
Efficiency ratio 62.50% vs a 64.48% peer average.
Loan-to-deposit ratio 64.12% 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 219 in TX

View $100M-$1B leaderboard (TX) →

First Liberty Bank has 3 strengths but faces 1 concern

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 0.72% above tier average
+ Efficiency Ratio 1.98% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 38.2% 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 (TX)	National Avg	Tier Percentile
Total Assets ?	$873.2M +5.8% YoY -1.9% QoQ	+$486.7M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 4.7% in tier
Total Loans ?	$489.5M +23.2% YoY +3.0% QoQ	+$231.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 12.4% in tier
Total Deposits ?	$763.3M +6.8% YoY -2.6% QoQ	+$436.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 3.8% in tier
Return on Assets ?	1.34% -6.2% YoY +5.1% QoQ	+0.02%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	4.71% +1.6% YoY +3.0% QoQ	+0.72%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 14.2% in tier
Efficiency Ratio ?	62.50% +7.5% YoY -1.2% QoQ	-1.98%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	50%
Delinquency Rate ?	0.43% +120.1% YoY -26.1% QoQ	-0.49%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	50%
Loan-to-Deposit Ratio ?	64.12% +15.3% YoY +5.7% QoQ	-13.83%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	29.98% -9.2% YoY +0.5% QoQ	+7.95%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.34% +189.7% YoY -14.4% QoQ	-0.33%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	15.76% -8.4% YoY -0.7% QoQ	-0.15%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.32% -8.2% YoY +106.2% QoQ	-0.24%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	76%

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	30.0% -3.0pp YoY +0.2pp QoQ	+7.8pp	22.1%	29.2%	22.2%	82%
Brokered Deposits	1.4% 0.0pp QoQ	-6.4pp	7.9%	8.0%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	9.7% +1.0pp YoY -0.4pp QoQ	-1.9pp	11.6%	14.8%	12.5%	50%
CRE	55.1% +5.2pp YoY +1.1pp QoQ	+15.5pp	39.5%	48.4%	41.4%	78%
1-4 Family	29.7% -6.1pp YoY -0.4pp QoQ	-2.9pp	32.6%	25.8%	31.3%	51%
Consumer	1.5% -0.6pp YoY -0.1pp QoQ	-2.6pp	4.1%	4.7%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	15.8% -1.4pp YoY -0.1pp QoQ	-3.1pp	18.8%	22.7%	19.7%	56%
Leverage Ratio	10.1% +0.6pp YoY +0.4pp QoQ	-2.1pp	12.2%	12.6%	12.6%	34%
Total Capital Ratio	17.0% -1.2pp YoY -0.1pp QoQ	-3.0pp	19.9%	23.8%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	120 +2 (+1.7%) YoY -8 (-6.2%) QoQ	+61	58	186	482	92%
Assets per Employee ($)	$7.3M +4.0% YoY +4.7% QoQ	-$241K	$7.5M	$10.1M	$8.8M	57%
Branch Count	11 0 YoY 0 QoQ	+6	4	12	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY	-0.3pp	0.3%	0.3%	0.4%	44%
Nonaccrual	0.4% +0.3pp YoY -0.2pp QoQ	-0.6pp	0.9%	1.0%	1.0%	44%
Allowance Coverage	3.05x -45.6% YoY +35.3% QoQ	-21.10x	24.15x	18.82x	20.23x	59%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	11.9% -2.0pp YoY +0.5pp QoQ	-0.3pp	12.2%	13.2%	11.6%	49%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	24%
Net Income ($, YTD)	$5.9M +13.9% YoY — QoQ	+$3.3M	$2.6M	$15.9M	$40.4M	91%

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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 (1)

Credit Quality Pressure

risk

#481 of 1256 • Bottom 38.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.43%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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).

Compare against:

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

Top Strengths (7 metrics)

101

Total Deposits

size

Value: $763.33M

Peer Median: $326.73M

#101 of 2643 Top 3.8% in $100M-$1B

124

Total Assets

size

Value: $873.24M

Peer Median: $386.57M

#124 of 2643 Top 4.7% in $100M-$1B

330

Total Loans

size

Value: $489.47M

Peer Median: $258.35M

#330 of 2643 Top 12.4% in $100M-$1B

375

Net Interest Margin

profitability

Value: 4.71%

Peer Median: 3.99%

#375 of 2643 Top 14.2% in $100M-$1B

475

Non-Interest-Bearing Deposit Share

funding

Value: 29.98%

Peer Median: 22.03%

#475 of 2643 Top 17.9% in $100M-$1B

593

Loan-to-Deposit Ratio

liquidity

Value: 64.12%

Peer Median: 77.95%

#593 of 2643 Top 22.4% in $100M-$1B

645

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.57%

#645 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available