TellerScore

First Liberty Bank (FDIC certificate #14029) is based in Oklahoma City, Oklahoma. Its Q2 2026 call report shows $885.0M in total assets and $768.3M in deposits and 4 offices across 2 states.

Based on its Q2 2026 filing, First Liberty Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 57th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is funding & liquidity (54/100; 93% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.82%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 93.0% · 26.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.45%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (67 → 76), mostly because the loan quality component improved by 33 points.

TellerScore
647076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202464
Q1 202566
Q2 202567
Q3 202566
Q4 202566
Q1 202664
Q2 202676
Tier 1 leverage ratio
5.00%8.67%12.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.34%
Q3 202412.34%
Q4 202411.73%
Q1 202511.79%
Q2 202511.67%
Q3 202511.47%
Q4 202511.37%
Q1 202611.47%
Q2 202611.82%
Noncurrent loans
0.07%0.70%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.33%
Q3 20241.24%
Q4 20241.21%
Q1 20251.11%
Q2 20251.06%
Q3 20251.18%
Q4 20251.14%
Q1 20261.11%
Q2 20260.07%
Return on assets
0.98%1.11%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.07%
Q4 20241.11%
Q1 20251.08%
Q2 20251.22%
Q3 20251.22%
Q4 20251.24%
Q1 20260.98%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$885.0M11.82%0.07%1.07%93.0%
Q1 202664$835.3M11.47%1.11%0.98%96.5%
Q4 202566$851.2M11.37%1.14%1.24%93.9%
Q3 202566$835.7M11.47%1.18%1.22%94.2%
Q2 202567$817.1M11.67%1.06%1.22%98.2%
Q1 202566$806.4M11.79%1.11%1.08%97.6%
Q4 202464$783.9M11.73%1.21%1.11%96.2%
Q3 202466$733.1M12.34%1.24%1.07%99.7%
Q2 202465$727.2M12.34%1.33%1.04%96.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.82%
63rd
Total risk-based capital14.18%
63rd
Problem loans0.07%
77th
Net charge-offs0.18%
13th
Return on assets1.07%
38th
Net interest margin4.21%
65th
Efficiency ratio65.3%
41st
Loans to deposits93.0%
20th
Uninsured deposits26.9%
39th
Loan-loss reserves1.46%
76th
Texas ratio0.5%
78th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
SpiritBankBank Tulsa, OK63 out of 100, Moderate$912.8M9.3%0.86%vs
F&M BankBank Edmond, OK71 out of 100, Strong$915.3M10.0%0.36%vs
Valliance BankBank Oklahoma City, OK47 out of 100, Below average$923.3M9.3%1.58%vs
Quail Creek BankBank Oklahoma City, OK67 out of 100, Moderate$831.2M9.1%0.65%vs
Security BankBank Tulsa, OK81 out of 100, Strong$939.0M11.8%0.15%vs
First National Bank of OklahomaBank Oklahoma City, OK66 out of 100, Moderate$949.9M10.5%1.39%vs

Deposit insurance

Is my money safe at First Liberty Bank?

Yes. First Liberty Bank is an FDIC-insured institution (FDIC certificate #14029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.9% of deposits ($206.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.18% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Liberty Bank lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Liberty Bank reported 188 home-loan applications under HMDA (LEI 5493005WCUTOOZMTV053): 144 originated ($50,400,000 total), 17 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Liberty Bank
Former names
The Farmers State Bank; Meno Guaranty Bank
Type
State-chartered bank
FDIC certificate #
14029
RSSD ID
898850
Primary regulator
FDIC
Holding company
First Liberty Holdings Llc
Established
December 12, 1933
Headquarters
9601 N May Ave, Oklahoma City, OK 73120
Employees
97

Quick answers

First Liberty Bank: common questions

Is First Liberty Bank FDIC insured?

Yes. First Liberty Bank is an FDIC-insured institution (FDIC certificate #14029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Liberty Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Liberty Bank ever failed?

There is no failure record for FDIC certificate #14029 in the FDIC failed bank list.

How many branches does First Liberty Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs