First Liberty Bank (FDIC #3301): Bank Stress & Real-Estate Credit Exposure
First Liberty Bank (FDIC Cert #3301): bank stress 59/100, moderate, STABLE over 7 days; parent FIRST LIBERTY NATL BANCSHARES.
First Liberty Bank (#3301) lends in 5 counties across 1 state; First Liberty Bank (#3301) reaches 197 ZIP codes: Texas 5 counties, 197 ZIPs.
First Liberty Bank (#3301) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#3301), Brazoria County, TX (63 branches, 21 ZIPs) (#3301), Jefferson County, TX (18 branches, 18 ZIPs) (#3301), Liberty County, TX (75 branches, 15 ZIPs) (#3301), Chambers County, TX (11 branches, 11 ZIPs) (#3301).
First Liberty Bank (#3301) reports $873.2 million in total assets; First Liberty Bank (#3301) equity $99.3 million (11.4% of First Liberty Bank (#3301) assets); First Liberty Bank (#3301) domestic deposits $763.3 million; First Liberty Bank (#3301) net income $5.9 million; First Liberty Bank (#3301) return on assets 1.34%; First Liberty Bank (#3301) return on equity 11.94%; First Liberty Bank (#3301) net interest income $19.1 million; First Liberty Bank (#3301) call report June 30, 2026.
First Liberty Bank (#3301) noncurrent real-estate loans 0.07% of its book; First Liberty Bank (#3301) net charge-offs on real estate 0.43%.
First Liberty Bank (#3301) net interest margin 4.71% against an eight-quarter First Liberty Bank (#3301) average of 4.40% (First Liberty Bank (#3301) compression -0.31 points); First Liberty Bank (#3301) real-estate loans 6.7% of equity; First Liberty Bank (#3301) rate-exposure score 40/100, First Liberty Bank (#3301) fixed-rate trap 40/100; First Liberty Bank (#3301) risk type credit driven; First Liberty Bank (#3301) rate regime rates elevated, First Liberty Bank (#3301) snapshot October 19, 2026.
First Liberty Bank (#3301) stress score moved from 60.1 on June 22, 2026 to 58.9 on October 19, 2026; First Liberty Bank (#3301) ranged 58.9 to 60.1 over 116 snapshots.
First Liberty Bank (#3301) alerts: 5 counties; top First Liberty Bank (#3301) alert scores: Liberty County, TX 24 (low); Baytown County, TX 19 (low); Beaumont County, TX 19 (low); Huffman County, TX 19 (low); Pearland County, TX 19 (low).