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Overview / Commentary
580-351-2265
629 SW C Avenue
Lawton, OK 73501

Liberty National Bank (OK) is headquartered in Lawton and is the 58th largest bank in the state of Oklahoma. It is also the 2,642nd largest bank in the nation. It was established in 1902 and as of December of 2013, it had grown to 63 employees at 4 locations. Liberty National Bank (OK) has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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 Liberty National Bank (OK) had $1.57 million in non-current loans and owned real-estate with $24.83 million in equity and loan loss allowances on hand to cover it. This gives Liberty National Bank (OK) a Texas Ratio of 6.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Liberty National Bank (OK) experienced no significant changes from 5.36% as of December 31, 2012 to 6.32% as of December 31, 2013, resulting in a negative change of 18.00%. This indicates that the balance sheet and financial strength for Liberty National Bank (OK) has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, Liberty National Bank (OK) has decreased its total deposits by -$5.1 million, resulting in -2.38% 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 average.

Capitalization

GRADE:
B+

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 $239.46 million in assets with $24.83 million in equity, resulting in a capitalization level of 10.37%, which is above average.

Institution Statistics

Overall
FDIC Certificate #11522
Year Established1902
Employees63
Primary RegulatorOCC
Assets and Liabilities
Assets$239.46 million
Loans$151.73 million
Deposits$209.39 million
Equity Capital$23.34 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$475,000
Historic Data - December 2012
Assets$246.66 million
Equity Capital$25.00 million
Loan Loss Allowance$1.29 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$15,000
Profit Margin - Quarterly
Net Interest Margin4.5%
Return on Assets1.34%
Return on Equity13.79%
Interest Income$10.83 million
Rates

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Liberty National Bank (OK) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%-$25kLiberty Saver
0.15%$25-Savings Account
0.15%$25-Business Savings Account
0.01%--Liberty Saver

Liberty National Bank (OK) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$50k-Money Market Demand Account
0.15%$50k-Business Money Market Demand Account

Liberty National Bank (OK) Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.00%-$10kLiberty Cash
0.10%$1,500-NOW Checking
0.10%$1,500-FREEDOM Plus Checking
0.01%--Liberty Cash

Liberty National Bank (OK) CD Rates

DetailsAPYMINMAXPRODUCT
0.45%$1k-30 Month CD
0.45%$1k-36 Month CD
0.45%$1k-Business 30 Month CD
0.45%$1k-Business 36 Month CD
0.40%$1k-24 Month CD
0.40%$1k-Business 24 Month CD
0.35%$1k-18 Month CD - Fixed
0.35%$1k-18 Month CD - Flex
0.35%$1k-Business 18 Month CD - Fixed
0.35%$1k-Business 18 Month CD - Flex
0.30%$1k-12 Month CD
0.30%$1k-Business 12 Month CD
0.20%$1k-6 Month CD
0.20%$1k-Business 6 Month CD
0.15%$1k-3 Month CD
0.15%$1k-Business 3 Month CD

Liberty National Bank (OK) IRA Rates

DetailsAPYMINMAXPRODUCT
0.46%$100-30 Month IRA
0.46%$100-36 Month IRA
0.41%$100-24 Month IRA
0.36%$100-18 Month IRA
0.31%$100-12 Month IRA
0.21%$100-6 Month IRA
Locations


Liberty National Bank (OK) Locations
Liberty National Bank - Medicine Par Branch23975 State Hwy 49Lawton, OK 73507
Liberty National Bank - West Gore4005 West Gore AveLawton, OK 73501
Liberty National Bank629 S W C AvenueLawton, OK 73501
Liberty National Bank - Elgin Branch8232 State Highway 17Elgin, OK 73538