First Liberty Bank (FDIC #14029): Bank Stress & Real-Estate Credit Exposure
First Liberty Bank (FDIC Cert #14029): bank stress 65/100, elevated, STABLE over 7 days; parent FIRST LIBERTY HOLDINGS LLC.
First Liberty Bank (#14029) lends in 3 counties across 2 states; First Liberty Bank (#14029) reaches 110 ZIP codes: Oklahoma 2 counties, 70 ZIPs; Texas 1 county, 40 ZIPs.
First Liberty Bank (#14029) largest markets: Oklahoma County, OK (55 branches, 55 ZIPs) (#14029), Collin County, TX (40 branches, 40 ZIPs) (#14029), Cleveland County, OK (23 branches, 23 ZIPs) (#14029).
First Liberty Bank (#14029) reports $885.0 million in total assets; First Liberty Bank (#14029) equity $97.8 million (11.1% of First Liberty Bank (#14029) assets); First Liberty Bank (#14029) domestic deposits $768.3 million; First Liberty Bank (#14029) net income $4.6 million; First Liberty Bank (#14029) return on assets 1.07%; First Liberty Bank (#14029) return on equity 9.51%; First Liberty Bank (#14029) net interest income $17.1 million; First Liberty Bank (#14029) call report June 30, 2026.
First Liberty Bank (#14029) noncurrent real-estate loans 0.27% of its book; First Liberty Bank (#14029) residential 0.48%; First Liberty Bank (#14029) net charge-offs on real estate 0.00%.
First Liberty Bank (#14029) net interest margin 4.21% against an eight-quarter First Liberty Bank (#14029) average of 4.11% (First Liberty Bank (#14029) compression -0.10 points); First Liberty Bank (#14029) real-estate loans 27.1% of equity; First Liberty Bank (#14029) rate-exposure score 40/100, First Liberty Bank (#14029) fixed-rate trap 40/100; First Liberty Bank (#14029) risk type credit driven; First Liberty Bank (#14029) rate regime rates elevated, First Liberty Bank (#14029) snapshot October 19, 2026.
First Liberty Bank (#14029) stress score moved from 64 on June 22, 2026 to 65.5 on October 19, 2026; First Liberty Bank (#14029) ranged 64 to 65.5 over 116 snapshots.
First Liberty Bank (#14029) alerts: 3 counties; top First Liberty Bank (#14029) alert scores: Frisco County, OK 21 (low); Norman County, OK 21 (low); Oklahoma City County, OK 21 (low).