TellerScore

First Liberty Bank is a state-chartered bank (fed member) headquartered in Liberty, Texas, in business for about 113 years. At the end of Q2 2026 it reported $873.2M in total assets and $763.3M in deposits, with 11 offices.

First Liberty Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 205th. Problem-loan coverage contributes the most (94/100, 2.8%); capital cushion contributes the least (51/100, 10.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.11%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 64.1% · 37.6% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.81%

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 fell 2 points (74 → 72), mostly because the loan quality component weakened by 8 points.

TellerScore
667176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202467
Q1 202576
Q2 202574
Q3 202573
Q4 202574
Q1 202669
Q2 202672
Tier 1 leverage ratio
5.00%7.78%10.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.69%
Q3 20249.79%
Q4 202410.09%
Q1 202510.56%
Q2 20259.50%
Q3 20259.82%
Q4 202510.26%
Q1 20269.68%
Q2 202610.11%
Noncurrent loans
0.16%0.36%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.36%
Q4 20240.43%
Q1 20250.16%
Q2 20250.19%
Q3 20250.29%
Q4 20250.34%
Q1 20260.57%
Q2 20260.42%
Return on assets
0.94%1.18%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20241.02%
Q4 20241.05%
Q1 20251.31%
Q2 20251.43%
Q3 20251.37%
Q4 20251.40%
Q1 20261.27%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$873.2M10.11%0.42%1.34%64.1%
Q1 202669$890.0M9.68%0.57%1.27%60.7%
Q4 202574$866.4M10.26%0.34%1.40%62.1%
Q3 202573$820.5M9.82%0.29%1.37%62.9%
Q2 202574$825.4M9.50%0.19%1.43%55.6%
Q1 202576$857.9M10.56%0.16%1.31%50.7%
Q4 202467$481.1M10.09%0.43%1.05%77.2%
Q3 202467$475.1M9.79%0.36%1.02%77.8%
Q2 202466$501.0M9.69%0.29%0.94%78.2%

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 ratio10.11%
34th
Total risk-based capital16.98%
78th
Problem loans0.42%
49th
Net charge-offs0.10%
20th
Return on assets1.34%
55th
Net interest margin4.71%
86th
Efficiency ratio62.5%
50th
Loans to deposits64.1%
78th
Uninsured deposits37.6%
13th
Loan-loss reserves1.29%
62nd
Texas ratio2.8%
49th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Harmony BankBank Dallas, TX75 out of 100, Strong$855.3M11.9%0.02%vs
Texas National Bank of JacksonvilleBank Jacksonville, TX50 out of 100, Below average$852.4M10.1%1.03%vs
The First State BankBank Louise, TX61 out of 100, Moderate$895.2M10.6%2.16%vs
Titan Bank, N.A.Bank Mineral Wells, TX76 out of 100, Strong$896.1M9.2%0.54%vs
Bank of the WestBank Grapevine, TX74 out of 100, Strong$829.8M9.7%0.00%vs
Plains State BankBank Humble, TX59 out of 100, Moderate$828.4M16.5%4.41%vs

Deposit insurance

Is my money safe at First Liberty Bank?

Yes. First Liberty Bank is an FDIC-insured institution (FDIC certificate #3301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.6% of deposits ($287.1M) 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 10.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.98% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Liberty Bank lists 11 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Liberty Bank reported 180 home-loan applications under HMDA (LEI 549300IC1SF2RZ8ROR54): 86 originated ($47,930,000 total), 57 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.3%, 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 First Liberty National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
3301
RSSD ID
629353
Primary regulator
FED
Holding company
First Liberty Natl Bancshares
Established
January 1, 1913
Headquarters
1900 Sam Houston St, Liberty, TX 77575
Website
flb.bank
Employees
120

Quick answers

First Liberty Bank: common questions

Is First Liberty Bank FDIC insured?

Yes. First Liberty Bank is an FDIC-insured institution (FDIC certificate #3301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Liberty Bank's TellerScore?

72 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 #3301 in the FDIC failed bank list.

How many branches does First Liberty Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Liberty

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty County Teachers Federal Credit UnionCredit union Liberty, TX97 out of 100, Very strong$23.8M17.1%0.03%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs
Capital BankBank Jacinto City, TX77 out of 100, Strong$689.7M10.8%0.01%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs