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629 SW C Avenue
Lawton, OK 73501

Liberty National Bank (OK) is headquartered in Lawton and is the 57th largest bank in the state of Oklahoma. It is also the 2,584th largest bank in the nation. It was established in 1902 and as of March of 2014, it had grown to 63 employees at 4 locations. Liberty National Bank (OK) has a B+ health rating.

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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 Liberty National Bank (OK) had $1.3 million in non-current loans and owned real-estate with $25.82 million in equity and loan loss allowances on hand to cover it. This gives Liberty National Bank (OK) a Texas Ratio of 5.05% 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) experienced no significant changes from 5.15% as of March 31, 2013 to 5.05% as of March 31, 2014, resulting in a positive change of 1.81%.This indicates that the balance sheet and financial strength for Liberty National Bank (OK) has had no significant changes in recent periods.

Deposit Growth


In the past year, Liberty National Bank (OK) has decreased its total deposits by -$2.06 million, resulting in -0.92% 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.



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 $247.05 million in assets with $25.82 million in equity, resulting in a capitalization level of 10.45%, which is above average.

Institution Statistics

FDIC Certificate #11522
Year Established1902
Primary RegulatorOCC
Assets and Liabilities
Assets$247.05 million
Loans$148.53 million
Deposits$221.50 million
Equity Capital$24.26 million
Loan Loss Allowance$1.56 million
Unbacked Noncurrent Loans$1.13 million
Real Estate Owned$180,000
Historic Data - March 2013
Assets$250.02 million
Equity Capital$25.31 million
Loan Loss Allowance$1.46 million
Unbacked Noncurrent Loans$1.13 million
Real Estate Owned$42,000
Profit Margin - Quarterly
Net Interest Margin4.51%
Return on Assets1.5%
Return on Equity15.33%
Interest Income$2.66 million

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Liberty National Bank (OK) Savings Account Rates

0.30%-$25kLiberty Savers - Qualifying
0.15%$25-Savings Account
0.15%$25-Business Savings Account
0.01%--Liberty Savers - Non Qualifying

Liberty National Bank (OK) Money Market Rates

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

Liberty National Bank (OK) Checking Account Rates

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

Liberty National Bank (OK) CD Rates

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

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

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