First Liberty Bank: how it compares with its peers
Against 46 OK banks with half to twice its assets, First Liberty Bank's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $6.8M peer median). Its weakest relative measure is return on assets (1.07% vs. 1.35%).
| Measure | First Liberty Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 1.35% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 4.17% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.26% | 62.94% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $6.8M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.97% | 80.22% | Context |
What it means for lending operations
Its efficiency ratio of 65.26% is above the 62.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- SpiritBank Tulsa, OK · $913M
- F&M Bank Edmond, OK · $915M
- Valliance Bank Oklahoma City, OK · $923M
- Quail Creek Bank Oklahoma City, OK · $831M
- Security Bank Tulsa, OK · $939M
- First National Bank of Oklahoma Oklahoma City, OK · $950M
Questions about First Liberty Bank
How big is First Liberty Bank?
First Liberty Bank, established in 1933, is headquartered in Oklahoma City, OK. It reported $885M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Liberty Bank's return on assets?
1.07% annualized in Q2 2026, against a 1.35% median for 46 OK banks with half to twice its assets, ahead of 37% of them.
What is First Liberty Bank's efficiency ratio?
65.26% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 62.94%, and lower is better.
Is First Liberty Bank growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits grew 10.2%.
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.