# LIBERTY BANK
HURST, TX · FDIC certificate 26457 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $447.5M | |
| Deposits | $391.8M | |
| Loans and leases | $326.2M | |
| Total equity | $53.5M | |
| Loans / deposits | 82.15% (p43 of band) | 85.45% |
| Liquid assets / assets | 22.52% (p47 of band) | |
| Uninsured deposits / deposits | 31.23% (p79 of band) | 21.11% |
| Brokered deposits | 0.56% | |
| Wholesale funding | 0.56% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.03% (p44 of band) | 10.27% |
| Unrealized securities loss / equity | -0.18% (p34 of band) | 0.09% |
| AOCI / equity | 1.19% (p61 of band) | |
| ROA (annualized) | 0.90% (p43 of band) | 0.96% |
| Net interest margin | 3.95% (p69 of band) | 3.65% |
| Efficiency ratio | 62.59% (p36 of band) | |
| Noncurrent loans | 0.08% (p13 of band) | 0.60% |
| Net charge-offs (annualized) | 0.05% (p65 of band) | |
| Reserve coverage of noncurrent | 1653.99% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 132.82% (p97 of band) | |
| Auto loans | $772,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 0 |  | losing money, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | construction >100% equity |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |

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

- 2026-07-24 [Biz Buzz: Longtime Texas bank enters market; Planet Fitness musclebound for Galveston - galvnews.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxPX29kSGJaUlJTOWZHSjJqUWkzT2ZLeHhOY1k3VGpRODJQbV95SVlqVkJac1l4TENnenA2YWhWUG5rQmxzV2RLM1RHZjBIWDRMZU82Qldsc2hsVW5NbjNOU19VRzJ0Q1M4cDBZTUNmeTVLZ0lJb0c0Q1Y1eG9WMk40WS1xUHgydVBuMVREdTF1cGI4a2pHMmxYQTF6SzR1XzltWFN2a2VPUnVGUDFsLUh5V3p2R05QY3VraGtnTGZvN1lkd2lqd0FjTVBLUDd1RWt2TmI4VDhoR0dneWc2YTloMGg2SE1NMGNwOXIyTERRX0VlMWJHdnV1VnlpRDB5VUM5eHc?oc=5) · galvnews.com
- 2026-06-05 [First Liberty Bank announces officer, supervisor promotions for 2026 - bluebonnetnews.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNVU1XdEFLY1V2ZlNsOFNYZ1oxM2lGa1podkVrcktGSlRBQWVPemdWbHNqTE5RZ085bmVEUzBDMWlSQllDWTM2OV94eXlGdndXWWR4dUJmVUN3TGNnbndScVZTU1UtdHJWOW1QRG1VeHR5OC10ekhHdjdmQ0NvaWliaEZNbjZnZkVNUk0xWVQyRzFqQS0xVnZUWnZfTHBpbVlYcUE0ZFkyZVRJUQ?oc=5) · bluebonnetnews.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-14 [Here are Houston’s 10 fastest-growing banks by local deposit growth - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPVmhRMnFVek82dDAtRDRJbVUxQXNjVE1QaTRjbFdZaXlZWnExUG5DX3c5MlNZZzdMcjZaT0laRWFxbC1JQ1RWWC05X044aU5xOUVFYXZjUzlFeW4yY1JldGR4a3cwXzhwclRMWGZmSUFoRF83LVFDUVZRSTJ1czc3MTZIYlBybHVQY29TNlFIWmJKcHROaXh2WkZpTXltOUJPeTY3Uw?oc=5) · The Business Journals
- 2021-10-07 [Liberty Bank’s Tri-State acquisition to form largest Black-owned bank in US - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxQQkVPMVAyNW15T3h4enNEa0xvUWRVMk5uOHJna2pIdW5CWVBwRnd5dU9pMkZMbzY2MFJmYXhjajFSZDlEQ25BdDdVOGpNSk4wMzZzZFJ5WXhGdzdOcXEyMFcxSEhpSnczWEFWMzBQSUhpYlZFSjh6TFgtWW9uU0NiVVhpZ1NNcV9Hc3FmVEtBRjc4bV9PLW5SLWxtb0ZxNVVHU1NTUWMxQU9rT0pVaWVTTldLbExxUQ?oc=5) · Banking Dive
- 2022-10-17 [Two generations reflect on leading Liberty Bank - WWLTV.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQNWZ1NGRrQmd0MWJCaXFiVDFZX3NlSjhHLUJrSzdkQmVJZ1k5dGt0ejBGYzZ2QWRCRDNQLVdQMmliSDlKV0ZIMFBJR3pnS2ZDeFNEclktZkc5b3dNMVR1M0txcVA0NkJUdDltYVotVzV0VVhaWF9ROHRaZ1E4cXBhSnBVUE5mT2Q4VHM4LWZaZUE5R1dhd29nbExBVkJjTEJnelRaUkhXUVQzaEhpQUo2LTNGTmlhUUtQOFBKYUJjSXZJc0t5YWJzTzVvWTVieXZKV3dPTQ?oc=5) · WWLTV.com
- 2023-04-21 [Liberty Bank Launches Small Business Digital Initiative - CBIA](https://news.google.com/rss/articles/CBMickFVX3lxTE9kemFGaEFLS2Rrem80VnNjN0EtMGhtZ0ZCNFpyckI5SzFpaDd6UGRlMlQxUXFoczVtVmpYelB3NTBYMHJwVEtWc2l2eWNfbHNEZzFRQXdjZ1dvUDliUjh5SzFfS1JRamVOQ1BmbHVHRlFIUQ?oc=5) · CBIA
- 2020-10-16 [CT fintech veteran Mitchell leads Liberty Bank counteroffensive against online-only challengers - Hartford Business Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxPV1pWNzY0MkVONVBaWFp0Nm5OOWFOcGFNc0lUZ0Y4ckEza0V1cFVvTENvbkdSRVJNMjVNellhdEVUR3FOR2xaY1kwbTl6MlF2ekZ0NnpZWUc4S3J5YkNyLUE5OFJ3UjFmVkJUOFh5MGdJOWF2OUp1NFFNWGtqdFdiZDJ3LTVPMDg2N3ctWDJLeldJRjRQV25CTGNPVjhmQXZnSzYwWWFIYXFiMzVEWTZVbWs2ZzdzclhUUXBqc1FR?oc=5) · Hartford Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26457 (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/25.json (key "26457", 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