# LIBERTY CAPITAL BANK
ADDISON, TX · FDIC certificate 58852 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $767.9M | |
| Deposits | $675.9M | |
| Loans and leases | $621.9M | |
| Total equity | $86.1M | |
| Loans / deposits | 91.00% (p73 of band) | 82.04% |
| Liquid assets / assets | 17.34% (p23 of band) | |
| Uninsured deposits / deposits | 51.29% (p95 of band) | 25.97% |
| Brokered deposits | 0.39% | |
| Wholesale funding | 0.39% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.89% (p52 of band) | 10.81% |
| Unrealized securities loss / equity | -1.53% (p82 of band) | -8.10% |
| AOCI / equity | 0.01% (p80 of band) | |
| ROA (annualized) | 1.54% (p67 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 57.70% (p39 of band) | |
| Noncurrent loans | 0.07% (p21 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 1499.78% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 71.42% (p72 of band) | |
| Auto loans | $969,000 (0.16% of loans; DQ 1.86%, NCO 0.00%) | |
| Loans to nondepository financials | $21.0M (24% of equity) (p98 of band) | |
| Deposits YoY | 54.6% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

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

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

- 2024-09-19 [Holt Lunsford's Liberty Capital Bank to merge with another Texas bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNU3FlUkh6Q1NuSWJsREVVWXhBWnFvaWVyTmZnYUp5SERYeUp0MzFHLTQ5Q1VXa1A5V2lib2FqSkVuVnZkbUVHUUdaTUtDdjhfemprV1FCWFhoX3dJVVZhWXlyOHBubjZuZkhRekJ6a3RELVMwQklyT3BXYkJzX2djeWc4THFaODNINnA3T1JORnRvVURBajhvSjktdjA5UEk?oc=5) · The Business Journals
- 2024-09-21 [Texas Heritage Bank completes merger - Boerne Star](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSmJZTXY3dGhsNVI0RG1DcjZTZUZkZHFSX2NUQUxMYzhLWm15YUlqUHdvTVd0LTBoUGVfX1NkODViV3ZCclVwUFRjdVZON3Q2ZnQ5ekVLSjM2amNoNkVfLTA0WC01clRHUTR3UmxXVjd4eGxwLUZHZFJRbmkwUXpvQmFB?oc=5) · Boerne Star
- 2024-09-20 [Texas' Liberty Capital and Southwestern strike deal; BNY buys Archer - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYUVnR1hGdzM4d19jUUJwWUw0WHp4a3paRFJxTXk3V2Z5TnRIZFp5XzRnZUpvZkZKODN4eFBHLVJQQmlITFU1bUFveVJyN2Z2UVB5SExLdkRUNUJJcG1sMDRZMlBlT3BxYXc3d0hEdGVFelRvSXo0RnhNRi1ZV2RtSjJGVjM0aTVxN3BMMTRRdnJqZ185ellsbVE2a1l2dldWVC1iXw?oc=5) · American Banker
- 2021-01-04 [Liberty Capital Bank Announces New CEO & CFO - Business Wire](https://news.google.com/rss/articles/CBMioAFBVV95cUxQVkVoWmxxdHJWTGlYTGc2MEVqT2RQZVVuMHU1YnZlOUVEM3FPUkpvVGFHUHBvTTdzTjA0Y0xxMkd2bFpsUDJ2aGl0VWJXazFVNkJlMnR5SUlMQVZWWnA2Nm9SZGpjMlN3Q2dhRUUyMFBTZzYtTWhGbDlPUWNLVlM4enVlZjUybUxDMkdmVFI3Ql9SMjYtWUNqaVN3eHdZMmln?oc=5) · Business Wire
- 2025-07-30 [Spotlight On: Steven Mack, CEO, Texas Heritage Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTE5WQnhpTldYWWNrQjFKV1lNLVE2bHlEMVlrRmRKNnZRY1VYajgyZm1ROTBOU1gtMFZJaFNoUENoUWZNT05tVGdncV9HMXlaNHc1bmpGbGJfVmJCd2xkSnRwN1NzcjREcUwtOUpYdVMwY2ZoNVA1VkxJUTduOHJuTE9hSG1BOV9lVEZWTTI1Rm5rbllF?oc=5) · Capital Analytics Associates
- 2021-05-18 [Personnel Moves: Liberty Capital Bank Names New President - D Magazine](https://news.google.com/rss/articles/CBMirAFBVV95cUxNaW4xWlhhREdnTWpSeDlSWkRSSV8wcUFaVkV5TE1TeDlNTGZHZTkwMlhxWHAzWE5WX2Q5MWFHVXlxZ0FIS01uY0ZxNXY4N3JOMXA5TUV3SEcwSS1pUUVNTlVDc0pNOHd4b18tcHlEOUhzbk41Nm9kVV9DLWNrNTBKNjlmS0lESXE0RERBRTFQMnd4S2pxeExZbU1SOWJwOS1Ec3UyOGkzRGJiU2ZN?oc=5) · D Magazine
- 2021-06-22 [Newsmakers: Promotions, new hires - The Business Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxPTnNBTWV4VkU5dGVUcFNSdFdYbVhYU3htbWVsakNjRmRUdDkyYlBULWNxV2VZUHN2M1FCQzliMDRSY09wQ0dudnpnaHhQUTBadVl1M0VndGliVGZ0OXNHUmlLOWM4RERwZm55b3REQXc3Z2ZfM0FOVkFRQ2hiWjFfeHFRZlplZERDNFdZVTdBSWg1ZjlRY0RwNWNLaFg5QmVlZWkxc0hrLU5xb1BOblFoNEMtaV9nQVEwaXFKZm8ySQ?oc=5) · The Business Press
- 2021-05-12 [Liberty Capital Bank Announces Appointment of New President - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxPMDVWb3EzbnpLT0J1alN5ZUJJOWdrMVRNZC1nNk5RdGFJRFVUU1dVaGxEZ2hYNEFOZ1YtaVhrYllKZ2txcVlIdWY5WG9FNG1LdnM0TW9DUjAtdFB1MjRYTjRScjBOUGg3QkZWbEZIM2h4NVpYb0t2ZHdJSEZIN2Z6Wnc0OVUza2tqUkZodHktbkE1cU5kOS1iZlVQcHJ4Vkl2UTdBUXVELVR2Y1ptWlV0TFA0dEQtRmc?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58852 (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/36.json (key "58852", 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