First Liberty Bank
Liberty, Texas, Liberty County
$873M in total assets, the 1,193rd largest of 4,309 US banks and 105th of 352 headquartered in Texas.
- FDIC certificate
- 3301
- Established
- 1913
- Owned by
- First Liberty Natl Bancshares
- Primary regulator
- FED
- Website
- flb.bank
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $873M | 94% | $332M | |
| Loans | $496M | 86% | $188M | |
| Deposits | $763M | 94% | $286M | |
| Return on assets | 1.34% | 43% | 1.47% | |
| Net interest margin | 4.71% | 77% | 4.20% | |
| Efficiency ratio | 62.5% | 52% | 61.4% | |
| Equity to assets | 11.37% | 59% | 10.91% | |
| Loans to deposits | 65% | 37% | 73% |
Growth
Total assets grew 16.5% a year over the last 5 years and 11.3% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2025 | Pearland State Bank Pearland, TX | $189M |
| Feb 2025 | First National Bank of Alvin Alvin, TX | $163M |
Where they operate
11 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Liberty County, TX | $375M | 24.5% | 2 of 10 |
| Brazoria County, TX | $337M | 5.0% | 6 of 27 |
| Harris County, TX | $24M | 0.0% | 77 of 87 |
| Chambers County, TX | $20M | 3.2% | 6 of 6 |
| Jefferson County, TX | $8M | 0.1% | 17 of 18 |
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 9 branches since 2016 (2 to 11, +450.0%). 6 opened, 3 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2017 | Opened Liberty | 1 | 0 | +1 | 3 |
| 2018 | Opened Huffman | 1 | 0 | +1 | 4 |
| 2019 | Opened Beaumont | 1 | 0 | +1 | 5 |
| 2020 | Opened Dayton | 1 | 0 | +1 | 6 |
| 2022 | Opened Baytown | 1 | 0 | +1 | 7 |
| 2024 | Opened Cleveland | 1 | 0 | +1 | 8 |
| 2025 | Acquired Pearland State Bank and First National Bank of Alvin | 3 | 0 | +3 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 34% | 28% | |
| 1-4 family residential | 29% | 27% | |
| Construction and land | 19% | 11% | |
| Business (C&I) | 10% | 14% | |
| Farmland | 3% | 7% | |
| Agricultural | 3% | 5% | |
| Multifamily | 2% | 2% | |
| Consumer | 1% | 5% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 46% | 41% | |
| Noninterest-bearing | 30% | 30% | |
| Time deposits | 24% | 29% |
Brokered deposits are 1.4% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.37% | 0.30% |
| Net charge-offs, annualized | 0.10% | 0.01% |
| Reserves to loans | 1.29% | 1.23% |
| Leverage ratio | 10.11% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Liberty County, TX
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/first-liberty-bank-liberty-tx