First Liberty Bank is headquartered in Oklahoma City and is the 60th largest bank in the state of Oklahoma. It is also the 2,697th largest bank in the nation. It was established in 1933 and as of December of 2013, it had grown to 26 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.
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.
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Liberty Bank had $4.31 million in non-current loans and owned real-estate with $25.42 million in equity and loan loss allowances on hand to cover it. This gives First Liberty Bank a Texas Ratio of 16.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for First Liberty Bank experienced no significant changes from 15.58% as of December 31, 2012 to 16.96% as of December 31, 2013, resulting in a negative change of 8.80%. This indicates that the balance sheet and financial strength for First Liberty Bank has had no significant changes in recent periods.
In the past year, First Liberty Bank has increased its total deposits by $14.69 million, resulting in 7.48% 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 $234.43 million in assets with $25.42 million in equity, resulting in a capitalization level of 10.84%, which is above average.
|FDIC Certificate #||14029|
|Assets and Liabilities|
|Equity Capital||$23.29 million|
|Loan Loss Allowance||$2.13 million|
|Real Estate Owned||$4.31 million|
|Historic Data - December 2012|
|Equity Capital||$22.90 million|
|Loan Loss Allowance||$2.68 million|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$2.74 million|
|Profit Margin - Quarterly|
|Net Interest Margin||4.06%|
|Return on Assets||0.78%|
|Return on Equity||7.55%|
|Interest Income||$9.12 million|
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|0.50%||$100k||-||Liberty Money Market|
|0.50%||$100k||-||First Money Market|
|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|
|1.00%||$2,500||-||24 Month IRA|
|0.70%||$2,500||-||12 Month IRA|
|First Liberty Bank Locations|
|First Liberty Bank||9601 N. May Avenue||Oklahoma City, OK 73120|