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Overview / Commentary
9601 N. May Avenue
Oklahoma City, OK 73120

First Liberty Bank is headquartered in Oklahoma City and is the 66th largest bank in the state of Oklahoma. It is also the 2,748th largest bank in the nation. It was established in 1933 and as of March of 2014, it had grown to 27 employees at 1 location. First Liberty Bank's money market rates are 14% higher than the national average, and it has a B+ health rating.

Reviews (1)

Friendly Staff And Awesome Service

I bank at First Liberty Bank. Their staff is friendly and they seem to call everyone by name. You will not be treated like just another account. You can tell they really value your business. They offer all of the products and services I'm looking for. I would highly recommend you check them out.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Liberty Bank had $4.46 million in non-current loans and owned real-estate with $26.73 million in equity and loan loss allowances on hand to cover it. This gives First Liberty Bank a Texas Ratio of 16.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Liberty Bank experienced no significant changes from 18.21% as of March 31, 2013 to 16.68% as of March 31, 2014, resulting in a positive change of 8.42%.This indicates that the balance sheet and financial strength for First Liberty Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, First Liberty Bank has increased its total deposits by $11.03 million, resulting in 5.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Liberty Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Liberty Bank has $229.77 million in assets with $26.73 million in equity, resulting in a capitalization level of 11.63%, which is excellent.

Institution Statistics

FDIC Certificate #14029
Year Established1933
Primary RegulatorFDIC
Assets and Liabilities
Assets$229.77 million
Loans$139.51 million
Deposits$205.66 million
Equity Capital$23.80 million
Loan Loss Allowance$2.93 million
Unbacked Noncurrent Loans$945,000
Real Estate Owned$3.51 million
Historic Data - March 2013
Assets$218.23 million
Equity Capital$23.50 million
Loan Loss Allowance$2.86 million
Unbacked Noncurrent Loans$945,000
Real Estate Owned$2.39 million
Profit Margin - Quarterly
Net Interest Margin3.7%
Return on Assets0.81%
Return on Equity8.04%
Interest Income$2.19 million

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First Liberty Bank Savings Account Rates

0.25%$50-Business Savings

First Liberty Bank Money Market Rates

0.50%$100k-Liberty Money Market
0.50%$100k-First Money Market

First Liberty Bank Checking Account Rates

0.25%$25k-Freedom Checking

First Liberty Bank CD Rates

1.25%$2,500-60 Month CD
1.15%$2,500-36 Month CD
1.00%$2,500-24 Month CD
0.70%$2,500-12 Month CD
0.60%$2,500-6 Month CD
0.25%$2,500-91 Day CD
0.25%$2,500-28 Day Promo CD

First Liberty Bank IRA Rates

1.00%$2,500-24 Month IRA
0.70%$2,500-12 Month IRA

First Liberty Bank Locations
First Liberty Bank9601 N. May AvenueOklahoma City, OK 73120