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.

From Q2 2025 to Q2 2026, the score fell 3 points (76 → 73), mostly because the earnings component weakened by 14 points.

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

Similar-size banks in Texas

Yes. Liberty Capital Bank is an FDIC-insured institution (FDIC certificate #58852). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.3% of deposits ($346.7M) 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 10.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.70% (benchmark: 10%).

Check how much of your own balance is covered

Liberty Capital Bank lists 4 offices in 4 cities. Most locations:

• Addison, TX (1)
• Boerne, TX (1)
• Cross Plains, TX (1)
• San Antonio, TX (1)

All branch addresses and map

In 2025, Liberty Capital Bank reported 26 home-loan applications under HMDA (LEI 254900C7T2ET9EM0RK88): 23 originated ($7,185,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.0%, 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.

Legal name

Liberty Capital Bank

Type

State-chartered bank

FDIC certificate #

58852

RSSD ID

3690121

Primary regulator

FDIC

Holding company

Liberty Capital Bancshares Inc

Established

September 15, 2008

Headquarters

5055 Keller Springs Rd, Addison, TX 75001

Website

libertycapital.bank

Employees

77