Liberty National Bank (FDIC #11522): Bank Stress & Real-Estate Credit Exposure
Liberty National Bank (FDIC Cert #11522): bank stress 47/100, moderate, STABLE over 7 days; parent B O E BANCSHARES INC.
Liberty National Bank (#11522) lends in 6 counties across 2 states; Liberty National Bank (#11522) reaches 114 ZIP codes: Oklahoma 5 counties, 74 ZIPs; Texas 1 county, 40 ZIPs.
Liberty National Bank (#11522) largest markets: Collin County, TX (40 branches, 40 ZIPs) (#11522), Cleveland County, OK (23 branches, 23 ZIPs) (#11522), Comanche County, OK (76 branches, 19 ZIPs) (#11522), Caddo County, OK (17 branches, 17 ZIPs) (#11522), Grady County, OK (14 branches, 14 ZIPs) (#11522), Mcclain County, OK (13 branches, 13 ZIPs) (#11522).
Liberty National Bank (#11522) reports $1.32 billion in total assets; Liberty National Bank (#11522) equity $135.2 million (10.2% of Liberty National Bank (#11522) assets); Liberty National Bank (#11522) domestic deposits $1.18 billion; Liberty National Bank (#11522) net income $14.2 million; Liberty National Bank (#11522) return on assets 2.15%; Liberty National Bank (#11522) return on equity 21.18%; Liberty National Bank (#11522) net interest income $26.0 million; Liberty National Bank (#11522) call report June 30, 2026.
Liberty National Bank (#11522) noncurrent real-estate loans: none reported; Liberty National Bank (#11522) net charge-offs on real estate 0.00%.
Liberty National Bank (#11522) net interest margin 4.18% against an eight-quarter Liberty National Bank (#11522) average of 4.01% (Liberty National Bank (#11522) compression -0.17 points); Liberty National Bank (#11522) rate-exposure score 40/100, Liberty National Bank (#11522) fixed-rate trap 40/100; Liberty National Bank (#11522) risk type credit driven; Liberty National Bank (#11522) rate regime rates elevated, Liberty National Bank (#11522) snapshot October 19, 2026.
Liberty National Bank (#11522) stress score held at 46.8 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
Liberty National Bank (#11522) alerts: 6 counties; top Liberty National Bank (#11522) alert scores: Apache County, OK 18 (low); Blanchard County, OK 18 (low); Chickasha County, OK 18 (low); Lawton County, OK 18 (low); Oklahoma City County, OK 18 (low).