BlastPoint's Banking Scorecard
First Liberty Bank
Community
Specialty: Commercial
OK
FDIC cert 14029
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
First Liberty Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$851.2M
+8.6% YoY
+1.9% QoQ
|
-$540.3M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$690.7M
+7.7% YoY
+2.2% QoQ
|
-$284.8M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$735.4M
+10.3% YoY
+2.6% QoQ
|
-$429.2M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.24%
+11.0% YoY
+1.5% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.19%
+4.8% YoY
+0.5% QoQ
|
+0.52% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
58.45%
-2.4% YoY
-0.4% QoQ
|
-4.18% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
1.16%
-5.9% YoY
-3.4% QoQ
|
+0.53% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
93.92%
-2.4% YoY
-0.3% QoQ
|
+10.86% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
18.79%
-8.2% YoY
+4.9% QoQ
|
-2.26% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.94%
-14.8% YoY
-11.2% QoQ
|
+0.44% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.02%
-0.3% YoY
-1.7% QoQ
|
+2.78% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.43%
+27.4% YoY
+80.4% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#195 of 513 · Bottom 38% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.92%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.92% · Tier avg: 83.06%
63
63th pctile
Efficiency Ratio
Current: 58.45% · Tier avg: 62.63%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 10.24%
49
49th pctile
Total Loans
Current: $690.7M · Tier avg: $975.5M
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.79% · Tier avg: 21.05%
41
41th pctile
Total Deposits
Current: $735.4M · Tier avg: $1.2B
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
39
39th pctile
Total Assets
Current: $851.2M · Tier avg: $1.4B
22
22th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.50%
Top Weaknesses
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.50%
22
22th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.63%
39
39th pctile
Total Assets
Current: $851.2M · Tier avg: $1.4B
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
41
41th pctile
Total Deposits
Current: $735.4M · Tier avg: $1.2B
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.79% · Tier avg: 21.05%
49
49th pctile
Total Loans
Current: $690.7M · Tier avg: $975.5M
58
58th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 10.24%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
63
63th pctile
Efficiency Ratio
Current: 58.45% · Tier avg: 62.63%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.92% · Tier avg: 83.06%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%