BlastPoint's Banking Scorecard
Liberty National Bank
Community
Specialty: Commercial
OK
FDIC cert 11522
Lawton, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Liberty National Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 3% in Community
- + Delinquency Rate 0.61% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+3.5% YoY
+11.5% QoQ
|
-$61.7M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$853.0M
+0.9% YoY
-3.4% QoQ
|
-$122.5M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$1.2B
+1.8% YoY
+12.6% QoQ
|
+$24.8M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
2.25%
+46.7% YoY
+2.6% QoQ
|
+1.09% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.18%
+14.1% YoY
-0.8% QoQ
|
+0.52% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
48.16%
-13.8% YoY
-1.4% QoQ
|
-14.47% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.02%
-48.8% YoY
-33.2% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
71.72%
-0.9% YoY
-14.2% QoQ
|
-11.35% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
11.04%
-1.7% YoY
+14.0% QoQ
|
-10.01% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-76.3% YoY
-42.2% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
14.72%
+19.4% YoY
+8.0% QoQ
|
+4.48% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.44%
+39.3% YoY
+40.5% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#13 of 371 · Top 3% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
87
87th pctile
Efficiency Ratio
Current: 48.16% · Tier avg: 62.63%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.72% · Tier avg: 83.06%
76
76th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $853.0M · Tier avg: $975.5M
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.04% · Tier avg: 21.05%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.04% · Tier avg: 21.05%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
61
61th pctile
Total Loans
Current: $853.0M · Tier avg: $975.5M
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%
76
76th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.72% · Tier avg: 83.06%
87
87th pctile
Efficiency Ratio
Current: 48.16% · Tier avg: 62.63%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%