Liberty National Bank
Lawton, Oklahoma, Comanche County
$1.3B in total assets, the 854th largest of 4,309 US banks and 20th of 171 headquartered in Oklahoma.
- FDIC certificate
- 11522
- Established
- 1902
- Owned by
- B O E Bancshares Inc
- Primary regulator
- OCC
- Website
- www.WeAreLiberty.bank
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 25% | $1.8B | |
| Loans | $886M | 35% | $1.4B | |
| Deposits | $1.2B | 45% | $1.2B | |
| Return on assets | 2.30% | 95% | 1.38% | |
| Net interest margin | 4.18% | 60% | 3.91% | |
| Efficiency ratio | 49.5% | 20% | 60.6% | |
| Equity to assets | 10.23% | 50% | 10.33% | |
| Loans to deposits | 75% | 20% | 95% |
Growth
Total assets grew 8.8% a year over the last 5 years and 11.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2014 | Chickasha Bank & Trust Company Chickasha, OK, an affiliate under the same holding company | $199M |
Where they operate
9 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Comanche County, OK | $746M | 33.4% | 1 of 10 |
| Grady County, OK | $233M | 16.1% | 2 of 12 |
| Collin County, TX | $68M | 0.2% | 44 of 70 |
| Mcclain County, OK | $54M | 6.0% | 6 of 8 |
| Cleveland County, OK | $42M | 0.7% | 19 of 28 |
| Caddo County, OK | $35M | 4.8% | 9 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (8 to 9, +12.5%). 2 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2016 | Closed Tuttle | 0 | 1 | −1 | 7 |
| 2020 | Opened Oklahoma City | 1 | 0 | +1 | 8 |
| 2022 | Opened Plano | 1 | 0 | +1 | 9 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 39% | 36% | |
| Business (C&I) | 19% | 17% | |
| 1-4 family residential | 17% | 19% | |
| Construction and land | 8% | 12% | |
| Agricultural | 7% | 2% | |
| Farmland | 5% | 2% | |
| Multifamily | 4% | 3% | |
| Consumer | 1% | 5% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 70% | 50% | |
| Time deposits | 17% | 24% | |
| Noninterest-bearing | 13% | 26% |
Brokered deposits are 29.6% of deposits (peers 6.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.02% | 0.65% |
| Net charge-offs, annualized | 0.01% | 0.03% |
| Reserves to loans | 1.13% | 1.19% |
| Leverage ratio | 10.31% | 10.35% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Comanche County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/liberty-national-bank-lawton-ok