TellerScore

Liberty National Bank (FDIC certificate #11522) is based in Lawton, Oklahoma. Its Q2 2026 call report shows $1.3B in total assets and $1.2B in deposits and 9 offices across 2 states.

Liberty National Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 95% of its 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 22nd. Earnings contributes the most (100/100, 2.15%); capital cushion contributes the least (53/100, 10.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.31%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings100/100
Return on assets (annualized): 2.15%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 74.3% · 11.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.11%

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 3 points (81 → 84), mostly because the funding & liquidity component improved by 6 points.

TellerScore
738086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202474
Q4 202477
Q1 202580
Q2 202581
Q3 202583
Q4 202586
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%7.89%10.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.43%
Q3 20248.66%
Q4 20249.31%
Q1 20259.54%
Q2 20259.92%
Q3 202510.57%
Q4 202510.77%
Q1 202610.29%
Q2 202610.31%
Noncurrent loans
0.02%0.06%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.06%
Q4 20240.04%
Q1 20250.10%
Q2 20250.04%
Q3 20250.03%
Q4 20250.02%
Q1 20260.02%
Q2 20260.02%
Return on assets
1.44%1.85%2.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.44%
Q3 20241.49%
Q4 20241.53%
Q1 20252.10%
Q2 20252.10%
Q3 20252.19%
Q4 20252.25%
Q1 20262.11%
Q2 20262.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$1.3B10.31%0.02%2.15%74.3%
Q1 202684$1.3B10.29%0.02%2.11%73.0%
Q4 202586$1.3B10.77%0.02%2.25%71.7%
Q3 202583$1.2B10.57%0.03%2.19%83.6%
Q2 202581$1.2B9.92%0.04%2.10%80.2%
Q1 202580$1.2B9.54%0.10%2.10%76.1%
Q4 202477$1.3B9.31%0.04%1.53%72.4%
Q3 202474$1.2B8.66%0.06%1.49%76.0%
Q2 202473$1.2B8.43%0.07%1.44%72.4%

897 peers · $1 billion – $10 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 ratio10.31%
46th
Total risk-based capital15.47%
72nd
Problem loans0.02%
94th
Net charge-offs0.01%
67th
Return on assets2.15%
92nd
Net interest margin4.18%
77th
Efficiency ratio49.5%
77th
Loans to deposits74.3%
77th
Uninsured deposits11.7%
95th
Loan-loss reserves1.13%
47th
Texas ratio0.1%
95th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First Oklahoma BankBank Jenks, OK61 out of 100, Moderate$1.3B9.1%0.55%vs
Blue Sky BankBank Pawhuska, OK42 out of 100, Below average$1.4B9.1%2.06%vs
Firstar BankBank Sallisaw, OK66 out of 100, Moderate$1.2B9.0%0.68%vs
Sovereign BankBank Shawnee, OK64 out of 100, Moderate$1.5B10.3%0.06%vs
American Heritage BankBank Sapulpa, OK71 out of 100, Strong$1.5B9.6%0.21%vs
Brooks Bank, National AssociationBank Chickasha, OK70 out of 100, Strong$1.1B13.3%2.61%vs

Deposit insurance

Is my money safe at Liberty National Bank?

Yes. Liberty National Bank is an FDIC-insured institution (FDIC certificate #11522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.7% of deposits ($138.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.47% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Liberty National Bank lists 9 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Liberty National Bank reported 192 home-loan applications under HMDA (LEI 549300465MKS092D5K02): 174 originated ($40,730,000 total), 9 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.7%, 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
Liberty National Bank
Former names
Bank of Elgin; Bank of Elgin, National Association
Type
National bank
FDIC certificate #
11522
RSSD ID
68756
Primary regulator
OCC
Holding company
B O E Bancshares Inc
Established
January 1, 1902
Headquarters
629 Sw C Ave, Lawton, OK 73501
Employees
152

Quick answers

Liberty National Bank: common questions

Is Liberty National Bank FDIC insured?

Yes. Liberty National Bank is an FDIC-insured institution (FDIC certificate #11522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Liberty National Bank's TellerScore?

84 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 Liberty National Bank ever failed?

There is no failure record for FDIC certificate #11522 in the FDIC failed bank list.

How many branches does Liberty National Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Lawton

InstitutionScoreAssetsCapitalProblem loansCompare
Walters Bank and Trust CompanyBank Walters, OK99 out of 100, Very strong$70.3M20.0%0.06%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Southwest Oklahoma Federal Credit UnionCredit union Lawton, OK89 out of 100, Very strong$116.4M19.3%0.88%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs