Liberty Capital Bank: how it compares with its peers
Against 122 TX banks with half to twice its assets, Liberty Capital Bank's strongest measure in Q2 2026 is assets per employee ($10.0M vs. a $7.8M peer median). Its weakest relative measure is net interest margin (4.12% vs. 4.23%).
| Measure | Liberty Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.54% | 1.44% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 4.23% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.70% | 60.06% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $7.8M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.00% | 77.64% | Context |
What it means for lending operations
Its efficiency ratio of 57.70% is better than the 60.06% 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
- Sage Capital Bank, Gonzales, TX · $769M
- Schertz Bank & Trust Schertz, TX · $770M
- Commerce Bank Laredo, TX · $762M
- American Bank, National Association Dallas, TX · $774M
- First State Bank Athens, TX · $762M
- First Community Bank San Benito, TX · $794M
Questions about Liberty Capital Bank
How big is Liberty Capital Bank?
Liberty Capital Bank, established in 2008, is headquartered in Addison, TX. It reported $768M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Liberty Capital Bank's return on assets?
1.54% annualized in Q2 2026, against a 1.44% median for 122 TX banks with half to twice its assets, ahead of 55% of them.
What is Liberty Capital Bank's efficiency ratio?
57.70% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is Liberty Capital Bank growing its loans?
Net loans grew 60.2% over the year to Q2 2026, while deposits grew 54.6%.
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.