The Liberty National Bank in Paris: how it compares with its peers
Against 140 TX banks with half to twice its assets, The Liberty National Bank in Paris's strongest measure in Q2 2026 is efficiency ratio (47.94% vs. a 60.35% peer median). Its weakest relative measure is net interest margin (3.78% vs. 4.21%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.46% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 4.21% | Bottom third Ahead of 28% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.94% | 60.35% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.3M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.95% | 72.36% | Context |
What it means for lending operations
Its efficiency ratio of 47.94% is better than the 60.35% 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
- The City National Bank of Colorado City Colorado City, TX · $452M
- Trinity Capital Bank of Texas Ennis, TX · $457M
- Shelby Savings Bank, SSB Center, TX · $457M
- West Texas State Bank Snyder, TX · $444M
- Broadstreet Bank S S B Mineola, TX · $443M
- The First National Bank of Livingston Livingston, TX · $467M
Questions about The Liberty National Bank in Paris
How big is The Liberty National Bank in Paris?
The Liberty National Bank in Paris, established in 1931, is headquartered in Paris, TX. It reported $452M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Liberty National Bank in Paris's return on assets?
1.55% annualized in Q2 2026, against a 1.46% median for 140 TX banks with half to twice its assets, ahead of 54% of them.
What is The Liberty National Bank in Paris's efficiency ratio?
47.94% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is The Liberty National Bank in Paris growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits shrank 11.7%.
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 TX 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 Texas bank ranked.