Liberty National Bank (OK)

629 SW C Avenue
Lawton, OK 73501
(580) 351-2265
www.lnbok.com

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Liberty National Bank (OK) is headquartered in Lawton and is the 55^th largest bank in the state of Oklahoma. It is also the 2,605^th largest bank in the nation. It was established in 1902 and as of December of 2012, it had grown to 58 employees at 4 locations. Liberty National Bank (OK) has a 5-star health rating.

Customers Being Kicked Out of Their Reward Checking Accounts - 8/2/2011

There remains several nationally available high-interest reward checking accounts . There used to be many more. It has been common for banks to start offering their reward checking accounts nationwide ...

Liberty National Is Terminating Its Kasasa Checking Account... (Forum) - 7/25/2011

(was (4.11%, $10K)) effective end of July or August, per Nymgiants of FWF.

Liberty National Bank (OK) Is Now Limited ... (Forum) - 2/3/2011

to OK/TX residents; informed by a CSR, verified on their Kasasa Online Application Form. Somebody (iloveipods) at FWF said the rate is reduced to 3.8%, it's not true, it is still (4.11%, $10K). He must have more than $10,000 in his balance that cau

High-Yield Reward Checking Account at Liberty National Bank in Oklahoma - 11/21/2010

Liberty National Bank is offering a high-yield reward checking account and a companion savings account under the Kasasa brand. Like many of the new reward checking accounts, the balance cap is disappo ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Liberty National Bank (OK) Checking Account Rates

Apy	Min	Max	Product
2.30%	-	$10k	Liberty Cash
0.20%	$1,500	-	FREEDOM Plus Checking
0.10%	$1,500	-	NOW Checking
0.00%	$1,500	-	Choice Checking

Liberty National Bank (OK) Savings Account Rates

Apy	Min	Max	Product
0.50%	-	$25k	Liberty Saver
0.15%	$25	-	Savings Account
0.15%	$25	-	Business Savings Account

Liberty National Bank (OK) Money Market Rates

Apy	Min	Max	Product
0.30%	$100k	-	Money Market Demand Account
0.30%	$100k	-	Business Money Market Demand Account

Liberty National Bank (OK) CD Rates

Apy	Min	Max	Product
0.80%	$1k	-	36 Month CD
0.80%	$1k	-	Business 36 Month CD
0.70%	$1k	-	30 Month CD
0.70%	$1k	-	Business 30 Month CD
0.65%	$1k	-	24 Month CD
0.65%	$1k	-	Business 24 Month CD
0.40%	$1k	-	18 Month CD - Fixed
0.40%	$1k	-	18 Month CD - Flex
0.40%	$1k	-	Business 18 Month CD - Fixed
0.40%	$1k	-	Business 18 Month CD - Flex
0.30%	$1k	-	12 Month CD
0.30%	$1k	-	Business 12 Month CD
0.25%	$1k	-	6 Month CD
0.25%	$1k	-	Business 6 Month CD
0.15%	$1k	-	3 Month CD
0.15%	$1k	-	Business 3 Month CD

Liberty National Bank (OK) IRA Rates

Apy	Min	Max	Product
0.86%	$100	-	36 Month IRA
0.76%	$100	-	30 Month IRA
0.71%	$100	-	24 Month IRA
0.46%	$100	-	18 Month IRA
0.36%	$100	-	12 Month IRA
0.31%	$100	-	6 Month IRA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

Liberty National Bank
FDIC Certificate #	11522
BankRate Report	View
Year Established	1902
Employees	58
Primary Regulator	OCC
Assets and Liabilities
Assets	$246.66 million
Loans	$143.46 million
Deposits	$214.49 million
Equity Capital	$25.00 million
Loan Loss Allowance	$1.29 million
Unbacked Noncurrent Loans	$1.39 million
Real Estate Owned	$15,000
Historic Data - December 2011
Assets	$215.52 million
Equity Capital	$22.59 million
Loan Loss Allowance	$989,000
Unbacked Noncurrent Loans	$949,000
Real Estate Owned	$160,000
Profit Margin - Quarterly
Net Interest Margin	4.46%
Return on Assets	1.54%
Return on Equity	14.98%
Interest Income	$10.46 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2012 Liberty National Bank (OK) had $1.41 million in non-current loans and owned real-estate with $26.3 million in equity and loan loss allowances on hand to cover it. This gives Liberty National Bank (OK) a Texas Ratio of 5.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Liberty National Bank (OK) held steady from 4.70% as of December 31, 2011 to 5.36% as of December 31, 2012, resulting in a negative change of 13.91%. This indicates that the balance sheet and financial strength for Liberty National Bank (OK) has held steady in recent periods.
Deposit Growth
In the past year, Liberty National Bank (OK) has increased its total deposits by $28.36 million, resulting in 15.24% 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 Liberty National Bank (OK) has shown is excellent.
Capitalization
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. Liberty National Bank (OK) has $246.66 million in assets with $26.3 million in equity, resulting in a capitalization level of 10.66%, which is above average.