# FIRST LIBERTY BANK
OKLAHOMA CITY, OK · FDIC certificate 14029 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $885.0M | |
| Deposits | $768.3M | |
| Loans and leases | $724.9M | |
| Total equity | $97.8M | |
| Loans / deposits | 92.97% (p77 of band) | 82.04% |
| Liquid assets / assets | 15.14% (p17 of band) | |
| Uninsured deposits / deposits | 26.86% (p54 of band) | 25.97% |
| Brokered deposits | 2.94% | |
| Wholesale funding | 4.18% (p54 of band) | |
| FHLB advances / assets | 1.24% | |
| Tier 1 leverage | 11.82% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -1.67% (p82 of band) | -8.10% |
| AOCI / equity | -0.21% (p58 of band) | |
| ROA (annualized) | 1.07% (p37 of band) | 1.28% |
| Net interest margin | 4.21% (p68 of band) | 3.91% |
| Efficiency ratio | 65.26% (p62 of band) | |
| Noncurrent loans | 0.07% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p89 of band) | |
| Reserve coverage of noncurrent | 2146.14% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 81.90% (p79 of band) | |
| Auto loans | $94,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 97 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 2 |  | uninsured deposits leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | liquid assets <10%, charge-offs p90 | capital falling |
| 2018-09 | 2 |  | charge-offs p90 |
| 2018-12 | 1 |  | liquid assets <10% |
| 2019-03 | 2 | uninsured deposits leaving |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 | liquid assets <10% | capital falling |
| 2020-03 | 1 |  | uninsured deposits leaving, liquid assets <10% |
| 2020-06 | 2 | loans exceed deposits, charge-offs p90 | construction >100% equity |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | loans exceed deposits |
| 2021-03 | 0 |  | charge-offs p90, capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | loans exceed deposits, deposits shrinking |  |
| 2022-12 | 0 |  | loans exceed deposits, deposits shrinking |
| 2023-03 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-03-30 [First Liberty Bank to host Fraud Prevention Seminar in Oklahoma City - journalrecord.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTkxhVmo3Qk1uSTRQVTFoS1RHT2RXemkyWGJKR1RfUnVWZzRvUTRHX0JvYkcwMTlwdkFCdnNvM1g2V0owcUg4dFcxS1BUZ0JKekNPQ3lUQUdrVFVvc1lIMGxSZFNZS2NDeXJ6dGlrbG1KUmItUDdkcW1qSGdGN0pRUTBjeVQxNjEtblhYTGNpUjNiM2E0N3RkbEtvaU50WVJsdHc?oc=5) · journalrecord.com
- 2026-02-23 [Steve McDaniel, First Liberty Bank - journalrecord.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5YM2NId3o0Tzh2am1Hb3Bjd2FtOFM1YTFIZHRPRWN6V0E4NzVkWXpHOWJnS1lIT2NQdGp2NFV3R0Z3cF9mVko0LW13bTd1QzRwQ09PeUVTWnFaSm1LQXhiS01PcjRNSlNxTGhiX0Nvc21zV2wzdzdOcUF6OA?oc=5) · journalrecord.com
- 2026-06-10 [Best Certificates of Deposit in Oklahoma for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE81MGN5b1poaTVsX1hqYmstUndKVmFXTWUxMW1hUHhReFRQOExKdXVEYkpMT2Vtdng4eTJ0Q09taUJRaUdBTVczSHUtY2JPZjMyNlR0WnJTNkI4V3l3bnVFdFV2Vy00UDA?oc=5) · moneyrates.com
- 2024-10-17 [First Liberty Bank to acquire two Houston-area banks, eyes more local growth - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPLW9DNWJKOE5VR2I3dG5lY05NeDVweVpHa0Z1U25HN2YxYzZPazViVl9YVkJWWFlMR1N4QlR3V2lpd3ZlRldVOGF6QlNGMFFoQkswWnhWV1ZndTN6TVNwclZuWGY4eFRUYkkxM2dON0xWZWdSTEpRUERibExUejQ2eEJlNUlkQUIzcmUtQU5oaDBVdkdPUUZyeE9ETDdVLXdvbkw0N1VSeFNjUQ?oc=5) · The Business Journals
- 2024-08-25 [First Lonestar Bank enters Dallas-Fort Worth market with new Frisco branch - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxQNHVwVG5BOUVIelZMSWp6QnhEVVh6V0Rybmh1QU1PZ3I1dUVpWmlLZXZsNC1pWVNjcmRKdjZiMmVKVVF1MzBiUExEX1BacnFpNDRobUdIb0VnMjNTeUtFd3ZSWVBZZ21IYVRFbF9ZWXlJcWM3Y2EyMTRzcTROQ1lEZnNwVlM2MVI3WlM1WnBGME9odVBXSGtYVnU0eXRqOVpyQS1Kei1EUkVqeUh5WFNoNUtabw?oc=5) · Community Impact
- 2026-04-10 [Secure Your Identity: Free Community Shred Day in Norman - KGOU](https://news.google.com/rss/articles/CBMivgFBVV95cUxNMlFDZFN1OG1xcmpmZFYwdTZpcndYZWtXYWVuQklobUM1SFpBRlFZTmFPdGFJSnlpaU1NMTdWN2VaUjRlcnNQdnlBd0RpVlhFTjZOdzdQdlMxZHRYemY1VEFVLXk2X04tVWVYd1g2Y2sxNk5lS1pOWno2QURSaGd4SXlaWWNlYl94dEZyRERyWER6UzN5THgwU0Z5clRlLUo0R3R1S21DOEZVbDNQMUZhRTN2UVAyb1RRQkJtdE5B?oc=5) · KGOU
- 2017-09-12 [Oklahoma business briefs - The Oklahoman](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMEFPOGJZYlVkYmpSUmdodG9DTXFoQ3MxYWtibVVWUkhLcDRzb1ZUTlAzNUc4dTFfWlZtRU12Y21FcURVX3dkbjFCZlJxLTVVbWJnRU5JcGd5VnEtOWVnSlZtUVNVclhYeEE4RVdVeWQwUFEyWlhfUUhpSm44M0k1clNGc2ViX08wWXZocVdUR3hqYXRUU0hLRlI4NA?oc=5) · The Oklahoman
- 2026-07-07 [Nancy Lee Permenter Obituary (2026) - Enid, OK - Oklahoma City Cremation - Oklahoma City - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPdVNDMVhTcl9VMnVHS1ZJYTVGTm9BNEREMlNjYjE2UU9EUFg1OGxKbzlMTDVGLU9uNFpOaWV1TDItb1o3TUU2UzAtNC1WVW91cGV0OGMzT0M1bHlocXo2dFI5MEUtdzRCVU9odmY5N2VJN0lPRVZXV0h1V2dCUmpmSjBPaEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14029 (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/13.json (key "14029", 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