# FIRST LIBERTY BANK
LIBERTY, TX · FDIC certificate 3301 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $873.2M | |
| Deposits | $763.3M | |
| Loans and leases | $495.9M | |
| Total equity | $99.3M | |
| Loans / deposits | 64.12% (p18 of band) | 82.04% |
| Liquid assets / assets | 37.76% (p80 of band) | |
| Uninsured deposits / deposits | 37.62% (p84 of band) | 25.97% |
| Brokered deposits | 1.23% | |
| Wholesale funding | 1.80% (p40 of band) | |
| FHLB advances / assets | 0.57% | |
| Tier 1 leverage | 10.11% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -3.84% (p68 of band) | -8.10% |
| AOCI / equity | -2.63% (p5 of band) | |
| ROA (annualized) | 1.34% (p54 of band) | 1.28% |
| Net interest margin | 4.71% (p88 of band) | 3.91% |
| Efficiency ratio | 62.50% (p54 of band) | |
| Noncurrent loans | 0.42% (p50 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p77 of band) | |
| Reserve coverage of noncurrent | 305.10% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 94.89% (p84 of band) | |
| Auto loans | $1.4M (0.29% of loans; DQ 0.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 120 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | auto book souring |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | capital falling | auto book souring |
| 2012-06 | 2 | auto book souring |  |
| 2012-09 | 0 |  | capital falling, auto book souring |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, auto book souring |  |
| 2013-06 | 1 |  | auto book souring |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | auto book souring |  |
| 2014-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  | auto book souring |
| 2015-06 | 4 | auto book souring, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | assets shrinking | auto book souring |
| 2016-12 | 0 |  | assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | construction >100% equity | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | capital falling, securities losses >30% of equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## 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
- 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
- 2026-01-08 [First Liberty Title Company acquires Superior Title of Cleveland, Texas - bluebonnetnews.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQT0pXX1dXVVJXUVZYQXpjZ0l0Um9HSXJrQjhYWUU1VkpfQzNXaGNjczQ4ZU1fa1JtRThPTWZQalBBYVR2MWY5QndxemFXdnZwdHVXdlk5d3BrMkVxakZlc1BNVjg3LUxFTmJSX1dtaUdWQlg5ZGFkWGdNUUVPUmQ5Y3FLamhndmZfdXVtYWxjTnVRN0FoczlTNGVSVUF4OS1mMFA5LUV3b2NKdDVCSkE?oc=5) · bluebonnetnews.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
- 2024-10-17 [First Liberty National Banchares Inc. to acquire First National Bank of Alvin and Pearland State Bank - bluebonnetnews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOUkNkTWUtVFZSVDMwMG1wRlV0dEZGbmtIYkZoTW02WnB6ZzBNUmFPenAzRi0wQ0pzRFFtTEl4WXBmbnNhdlBETi11S0FqU0ktUEQ2OTdXUEFUcmpFNVRLSUNZM2FjMG94bEVydHNIcU5Ob0VkRGdKcDRUWGVMY2pIdVlQZnhHRFp0aGFobUlNZkw1Z25ta3puaHNnTDM2WEx0bWJSbnotOFNfd2lkOUlOWXg4RHdwa0JYQmQ2czF4VjltQXh3dkdpRkdjVGxOR0NmdXB4S0lR?oc=5) · bluebonnetnews.com
- 2023-08-24 [First Liberty Bank announces plans to open new branch in Colony Ridge community - bluebonnetnews.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQeU9VTDU1dlkwZnJQWkRKUVVDOVp6V1k2bGdoRFdzMDdrbFlRRjBrbEtnQ25SUDJrNFFGTkNTOHZjV2ppemdZNUVncWtwSXFEYy04OEdwR1hVVllFNG9LWHFENlh6ZHJGSVZWRUlsYl90VEdPZXAyNkQybzV6TkV5WVd2Mk9saDQtTTY4T1NSbDNzSndtMjRCZXVrTUlvaTB6X1pNaGE0cWNUVUV0RldxT3FiZmNOUHUyNHc?oc=5) · bluebonnetnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3301 (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/37.json (key "3301", 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