Liberty National Bank: how it compares with its peers
Against 30 OK banks with half to twice its assets, Liberty National Bank's strongest measure in Q2 2026 is return on assets (2.15% vs. a 1.31% peer median). Its weakest relative measure is net interest margin (4.18% vs. 4.18%).
| Measure | Liberty National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.15% | 1.31% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 4.18% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.52% | 63.24% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $7.9M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.32% | 90.76% | Context |
What it means for lending operations
Its efficiency ratio of 49.52% is better than the 63.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Oklahoma Bank Jenks, OK · $1.34B
- Blue Sky Bank Pawhuska, OK · $1.35B
- Firstar Bank Sallisaw, OK · $1.24B
- Sovereign Bank Shawnee, OK · $1.47B
- American Heritage Bank Sapulpa, OK · $1.48B
- Brooks Bank, National Association Chickasha, OK · $1.07B
Questions about Liberty National Bank
How big is Liberty National Bank?
Liberty National Bank, established in 1902, is headquartered in Lawton, OK. It reported $1.32B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Liberty National Bank's return on assets?
2.15% annualized in Q2 2026, against a 1.31% median for 30 OK banks with half to twice its assets, ahead of 87% of them.
What is Liberty National Bank's efficiency ratio?
49.52% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 63.24%, and lower is better.
Is Liberty National Bank growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.