BlastPoint's Banking Scorecard
First Liberty Bank
Community
Specialty: Commercial
TX
FDIC cert 3301
Liberty, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Liberty Bank shows strong momentum with 1 strength and 80.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 45% in Community
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$866.4M
+80.1% YoY
+5.6% QoQ
|
-$525.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$465.8M
+43.9% YoY
+5.1% QoQ
|
-$509.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$750.2M
+78.8% YoY
+6.4% QoQ
|
-$414.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.40%
+33.0% YoY
+1.6% QoQ
|
+0.23% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
4.83%
+28.2% YoY
+1.1% QoQ
|
+1.17% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
58.77%
-16.3% YoY
+2.3% QoQ
|
-3.86% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.34%
-21.6% YoY
+15.2% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
62.09%
-19.5% YoY
-1.2% QoQ
|
-20.97% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.99%
+7.1% YoY
-1.2% QoQ
|
+10.95% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-29.7% YoY
+16.8% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
15.90%
+1.1% YoY
-0.3% QoQ
|
+5.65% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.68%
-32.9% YoY
+31.1% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#68 of 150 · Top 45% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.99%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.83%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.66%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.99% · Tier avg: 21.05%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.90% · Tier avg: 10.24%
68
68th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
61
61th pctile
Efficiency Ratio
Current: 58.77% · Tier avg: 62.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
42
42th pctile
Total Deposits
Current: $750.2M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $866.4M · Tier avg: $1.4B
25
25th pctile
Total Loans
Current: $465.8M · Tier avg: $975.5M
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.09% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.09% · Tier avg: 83.06%
25
25th pctile
Total Loans
Current: $465.8M · Tier avg: $975.5M
40
40th pctile
Total Assets
Current: $866.4M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $750.2M · Tier avg: $1.2B
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
61
61th pctile
Efficiency Ratio
Current: 58.77% · Tier avg: 62.63%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
68
68th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.90% · Tier avg: 10.24%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.99% · Tier avg: 21.05%
93
93th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.66%