The Liberty National Bank in Paris is a national bank headquartered in Paris, Texas, in business for about 95 years. At the end of Q2 2026 it reported $452.1M in total assets and $364.7M in deposits, with 2 offices.
Based on its Q2 2026 filing, The Liberty National Bank in Paris scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 165th. Its strongest component is problem-loan coverage (90/100; 5.2%), and its lowest is funding & liquidity (55/100; 89% loans-to-deposits, 30% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 80 |
| Q4 2025 | 71 |
| Q1 2026 | 78 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.23% |
| Q3 2024 | 12.52% |
| Q4 2024 | 12.00% |
| Q1 2025 | 11.83% |
| Q2 2025 | 12.21% |
| Q3 2025 | 12.56% |
| Q4 2025 | 11.74% |
| Q1 2026 | 12.27% |
| Q2 2026 | 12.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.88% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.04% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $452.1M | 12.76% | 0.88% | 1.55% | 88.9% |
| Q1 2026 | 78 | $450.5M | 12.27% | 0.38% | 1.50% | 79.1% |
| Q4 2025 | 71 | $462.9M | 11.74% | 0.77% | 1.28% | 76.1% |
| Q3 2025 | 80 | $443.6M | 12.56% | 0.19% | 1.38% | 80.9% |
| Q2 2025 | 76 | $467.5M | 12.21% | 0.41% | 1.33% | 76.6% |
| Q1 2025 | 74 | $454.1M | 11.83% | 0.40% | 1.24% | 77.5% |
| Q4 2024 | 75 | $437.9M | 12.00% | 0.14% | 1.03% | 78.8% |
| Q3 2024 | 78 | $439.5M | 12.52% | 0.08% | 1.04% | 82.9% |
| Q2 2024 | 76 | $431.1M | 12.23% | 0.13% | 0.97% | 80.9% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The City National Bank of Colorado CityBank Colorado City, TX | 74 out of 100, Strong | $452.4M | 11.0% | 0.26% | vs |
| Trinity Capital Bank of TexasBank Ennis, TX | 69 out of 100, Moderate | $456.6M | 9.6% | 0.33% | vs |
| Shelby Savings Bank, SSBBank Center, TX | 69 out of 100, Moderate | $457.4M | 11.1% | 1.05% | vs |
| West Texas State BankBank Snyder, TX | 60 out of 100, Moderate | $443.7M | 10.5% | 1.77% | vs |
| Broadstreet Bank S S BBank Mineola, TX | 70 out of 100, Strong | $442.8M | 12.1% | 0.44% | vs |
| The First National Bank of LivingstonBank Livingston, TX | 98 out of 100, Very strong | $467.2M | 15.5% | 0.05% | vs |
Deposit insurance
Is my money safe at The Liberty National Bank in Paris?
Yes. The Liberty National Bank in Paris is an FDIC-insured institution (FDIC certificate #3384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.7% of deposits ($108.4M) 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 12.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The Liberty National Bank in Paris lists 2 offices in 1 city. Most locations:
- Paris, TX (2)
Identity & history
Profile
- Legal name
- The Liberty National Bank in Paris
- Type
- National bank
- FDIC certificate #
- 3384
- RSSD ID
- 1669
- Primary regulator
- OCC
- Holding company
- Paris Bancshares Inc
- Established
- April 17, 1931
- Headquarters
- 305 Lamar Ave, Paris, TX 75460
- Website
- www.lnbparis.com
- Employees
- 53
Quick answers
The Liberty National Bank in Paris: common questions
Is The Liberty National Bank in Paris FDIC insured?
Yes. The Liberty National Bank in Paris is an FDIC-insured institution (FDIC certificate #3384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Liberty National Bank in Paris's TellerScore?
75 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 The Liberty National Bank in Paris ever failed?
There is no failure record for FDIC certificate #3384 in the FDIC failed bank list.
How many branches does The Liberty National Bank in Paris have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Paris
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Employees United Federal Credit UnionCredit union Paris, TX | 92 out of 100, Very strong | $12.4M | 32.7% | 0.08% | vs |
| Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX | 83 out of 100, Strong | $33.1M | 14.4% | 0.43% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| Peoples BankBank Paris, TX | 76 out of 100, Strong | $185.4M | 9.6% | 0.25% | vs |
| First Federal Community Bank, SSBBank Paris, TX | 74 out of 100, Strong | $603.6M | 13.1% | 0.75% | vs |