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First Liberty Bank

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

Liberty, TX

11 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First Liberty Bank demonstrates 3 strengths

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 0.64% above tier average
  • + Efficiency Ratio 2.04% below tier average
  • + Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Liberty Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $890.0M
+3.7% YoY +2.7% QoQ
+$504.0M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
Top 4.2% in tier
Total Loans ? $475.4M
+24.8% YoY +2.1% QoQ
+$219.7M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
Top 13.2% in tier
Total Deposits ? $783.7M
+4.3% YoY +4.5% QoQ
+$455.7M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
Top 3.3% in tier
Return on Assets ? 1.27%
-2.6% YoY -8.8% QoQ
+0.00% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
54%
Net Interest Margin ? 4.57%
+7.3% YoY -5.5% QoQ
+0.64% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
84%
Efficiency Ratio ? 63.24%
+2.8% YoY +7.6% QoQ
-2.04% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
50%
Delinquency Rate ? 0.58%
+269.4% YoY +70.4% QoQ
-0.31% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
42%
Loan-to-Deposit Ratio ? 60.67%
+19.6% YoY -2.3% QoQ
-15.97% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
80%
Non-Interest-Bearing Deposit Share ? 29.83%
-5.6% YoY -6.8% QoQ
+7.81% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
81%
Nonperforming Asset Ratio ? 0.40%
+329.9% YoY +69.9% QoQ
-0.24% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
44%
Tier 1 Capital Ratio ? 15.87%
-10.4% YoY -0.2% QoQ
+0.04% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.16%
-12.2% YoY -77.1% QoQ
-0.12% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
76%

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

88
Total Deposits
size
Value: $783.66M
Peer Median: $327.97M
#88 of 2664 Top 3.3% in $100M-$1B
112
Total Assets
size
Value: $890.05M
Peer Median: $386.08M
#112 of 2664 Top 4.2% in $100M-$1B
353
Total Loans
size
Value: $475.42M
Peer Median: $255.72M
#353 of 2664 Top 13.2% in $100M-$1B
429
Net Interest Margin
profitability
Value: 4.57%
Peer Median: 3.93%
#429 of 2664 Top 16.1% in $100M-$1B
501
Non-Interest-Bearing Deposit Share
funding
Value: 29.83%
Peer Median: 22.02%
#501 of 2664 Top 18.8% in $100M-$1B
521
Loan-to-Deposit Ratio
liquidity
Value: 60.67%
Peer Median: 76.64%
#521 of 2664 Top 19.5% in $100M-$1B
647
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#647 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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