# LIBERTY NATIONAL BANK
LAWTON, OK · FDIC certificate 11522 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.32B | |
| Deposits | $1.18B | |
| Loans and leases | $885.9M | |
| Total equity | $135.2M | |
| Loans / deposits | 74.32% (p23 of band) | 87.10% |
| Liquid assets / assets | 30.37% (p77 of band) | |
| Uninsured deposits / deposits | 11.73% (p6 of band) | 30.76% |
| Brokered deposits | 26.42% | |
| Wholesale funding | 26.48% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.31% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -3.43% (p72 of band) | -7.75% |
| AOCI / equity | -1.05% (p17 of band) | |
| ROA (annualized) | 2.15% (p92 of band) | 1.26% |
| Net interest margin | 4.18% (p77 of band) | 3.70% |
| Efficiency ratio | 49.52% (p23 of band) | |
| Noncurrent loans | 0.02% (p7 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p32 of band) | |
| Reserve coverage of noncurrent | 6269.18% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 49.79% (p53 of band) | |
| Auto loans | $2.5M (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 152 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 | uninsured deposits >50% | capital falling |
| 2020-12 | 0 |  | uninsured deposits >50% |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | uninsured deposits >50%, capital falling, construction >100% equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-06 | 4 |  | capital falling |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | construction >100% equity |
| 2024-03 | 3 | uninsured deposits leaving | uninsured deposits >50% |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-07 [Where it all started: 1316 Liberty Bank Building - McAfee & Taft](https://news.google.com/rss/articles/CBMigAFBVV95cUxPT3dYWUhHb0daY1k1ZVItd3QzUnptS0dONnJ0V0JFM2M2SkVJdnYzMXd3Q1Y0eThjUjFnNlVoMC1mZF9nVmZrS0JVZXNXSi1vZ0dLUGZpNWtRc3d4RkNhTUdPYkluWFdqQndEWG9ETnczOFNuSEs4QXdXSHdxeUJ6TQ?oc=5) · McAfee & Taft
- 2025-02-20 [Cecil family celebrates 100-years at Liberty National Bank - MyParisTexas](https://news.google.com/rss/articles/CBMijAFBVV95cUxQbGRaWmpkR0h4LTFpRU1zeWl6b0NOWHJ2VVM5TFlzMUNtS08ta3l6dUdwekdFOUExWkpVbmtySHpsWVFuZkFFOVBRQlp3eV9KU0xTWXpYclJMSmcxUm1nbGdzMTdGUlIzOVZIalVyU3hLWkxZQzJJMU9YWFA5RkktSS1DOFNFSHZXRHAzLQ?oc=5) · MyParisTexas
- 2023-07-07 [Liberty National Bank names new President - KSWO 7News](https://news.google.com/rss/articles/CBMif0FVX3lxTE1VWlRZRzRkVmtBSUI4SGUtVFF6UFJKOUlqRjhZaml3alNqRTVfR1hsLS1rTWlrNzJYbjVMTHhnMFlkVDFua2FiVjRzbzFxQm9PUTBLZng0dWhWeFZIU2k5TmFHNXBjMDBCSUdBMWN1ZnQ2Rmc1MjA2NmdwZHdyMkXSAZMBQVVfeXFMTWZDcHNwQ1laX2pSMDE0NDQ1bTV6MW5SMUd4MVh2SUtiaXpwZ3BHQ2d0WEdMVkNBM3dFY0gyT3drd1FqVmlKb0t2N244UXFmVmZHcXlKS0Y3TFZtZERjV1VtNGZleUdqaFptWDhRZXpLS1drdGRvRlJRUm5EU2dlUzRUY3hVNy1QV3RxaUowekxxSXJn?oc=5) · KSWO 7News
- 2020-05-21 [Walker named OBA chairman - southwestledger.news](https://news.google.com/rss/articles/CBMicEFVX3lxTE1reENCSksxOHRySEVjNTJxSTlhUFBhLTZ3N1JkdXUyT1N6OE4tWFNxd1lmUXFBbzV6c2JPOVFPcUo1N0ZaVXlURk1BYU9oYnliS1JQSHQ5enhITjZtNmNPeFF3cUV4ZTVKWGw3SW5TX1o?oc=5) · southwestledger.news
- 2023-08-08 [Statewide evacuation issued for bank chain in Oklahoma after anonymous bomb threat - koco.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBQVk5wbzZJU3R0TmRxWEJSQlN3WThjMlplOWR0OUVkbzdGM0JrbHBzNTRKckhfdXBUUGREV193ZWQ1UXZNcmpTcHgzVmY4M2QyZmZMYmRkQTZ3Ylk0TU83b0xGWEhWVXdxSHl3VHFlYnVxdk1GZzFwLXhNMA?oc=5) · koco.com
- 2022-12-08 [Court docs: Woman forges 91 checks, steals $445,000 from mother's bank account - KOKH](https://news.google.com/rss/articles/CBMingJBVV95cUxNZWpRUFpNYV8tYWtwTzI0TngyRkVMVnhBRFJ5cWtCS2lMRHNUWm9pcFhTVzdib2hIN0ZVLWRHMlRjZEVETVpLaGR6YXhKOGhZNllkSFI2WEY1dy1NX1BUc1ZxOUk2REJac21qU0l4bjRWdHBINHEtb0g3QjlyZllKTy11OXl5dmhzRDhFR3BfWDMxX0RrTktxV2N5RmlKOHBENXF2UGZpSmI0dzRXcGlXdDlnYnhqMS1KdGt4N0RNTnZOTGxZOXVLUmllVVB4MU9DWWNxSkFBOTJPb0VfYXJVSDRKdDh5enF2RVBRS1JKdkc4YXl1QmtseVVmdEUyTmJQNjBQWTRwSUlLaVE5RHgwZWJsRFYtMUlmaTd4UmNB?oc=5) · KOKH
- 2023-09-24 [Casey Cox joins Liberty National Bank - The Lawton Constitution](https://news.google.com/rss/articles/CBMixAFBVV95cUxPM3RqWnFXUnpiSEpjeUE2NWswb3JFVmh6RTBoLVF1SG80WkRvSDFzcUdVekk3Y2FSNXJUVXd4Ym85UTRicVQ1LUNYWVUwZ2NaREpnQUhlbVBJaTV3UTFQM05WVG1ZRFppUEViM0VmZGN0SnJHdnZrVzBaSjUwbXFEMm90aEtOTkFjVTJtSElKN1ltcmNiX01qd1pIb2EtbVZpVjBfV3ZVbm5fc0dqaEpEV2s3RHJUWmprb2gyendJQktxY0hu?oc=5) · The Lawton Constitution
- 2025-06-12 [Longtime Oklahoma banker, F&M Chairman Emeritus Johnny Anderson dies at 97 - Guthrie News Page](https://news.google.com/rss/articles/CBMiowFBVV95cUxOYVpVdDduR3EwYk1VN1pVWHF2cXNVMkp3WDhqb1VDdzZOZzlobEc2S0Zva1BmRldLMDhIZldJbHIyQ2xsd2kxWkwxZTB1dHNEd1RKNEZpa3RhSEZKNDVVN09lbXoySUswc1dXMGpwTGNna0hCUDM1WDNjMVRZZ0xIQTI2Vkw2OWpFcHFZNWJ4bXRLSHNmdFlVc1N5R1pURTA1R0tR?oc=5) · Guthrie News Page

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11522 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "11522", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide