What is First Liberty Bank's financial health grade?

First Liberty Bank has a TFS Financial Health Grade of D+ (score: 69.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Liberty Bank have?

First Liberty Bank has 11 branch locations across the United States.

Is First Liberty Bank FDIC insured?

Yes, First Liberty Bank is FDIC insured (Certificate #3301).

What are the total assets of First Liberty Bank?

First Liberty Bank has total assets of $866.4M as reported in its most recent FDIC filing.

First Liberty Bank

BankLiberty, Texas

flb.bank

Total Assets

$866.4M

Total Deposits

$750.2M

Branches

Established

1913

TFS Health Grade

D+

69.5 / 100

Below average financial health

How we grade

First Liberty Bank is a bank headquartered in Liberty, Texas, established in 1913. With $866.4M in total assets and 11 branch locations, it has a TFS Financial Health Grade of D+ (69.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.26%(8%)

Total Capital Ratio

17.13%(10%)

Non-Performing Loan Ratio

0.34%

Profitability

Return on Assets (ROA)

1.40%(1%)

Return on Equity (ROE)

13.00%(10%)

Net Interest Margin

4.83%

Efficiency Ratio

58.77%(60%)

Lending & Liquidity

Total Loans

$471.8M

Loan-to-Deposit Ratio

62.09%

Net Charge-Off Ratio

0.16%

Growth

Asset Growth (YoY)

+80.08%

Deposit Growth (YoY)

+78.77%

Net Income

$10.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Liberty BankHQ	1900 Sam Houston St	Liberty	TX	11
First Liberty Bank	1600 E Highway 6	Alvin	TX	11
First Liberty Bank	7110 Fm 3180 Rd	Baytown	TX	11
First Liberty Bank	15113 Highway 90	Beaumont	TX	11
First Liberty Bank	979 County Road 5270	Cleveland	TX	11
First Liberty Bank	109 E Highway 90	Dayton	TX	11
First Liberty Bank	900 Highway 146	Dayton	TX	11
First Liberty Bank	24900 Fm 2100 Rd	Huffman	TX	11
First Liberty Bank	11030 Highway 146 N	Liberty	TX	11
First Liberty Bank	20102 Highway 6	Manvel	TX	11
First Liberty Bank	2301 N Main St	Pearland	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.