Liberty National Bank
Lawton, OK · Cert 11522 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · B O E Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
$1.3BAssets
$885.9MLoans
$1.2BDeposits
$135.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 98% of banks $1B-$10B in assets operating regionally (rank 4 of 176).
- Widest gap: equity / assets trails 53% of banks $1B-$10B in assets operating regionally (rank 93 of 176).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.69%
Rank 21 of 176
Net Interest Margin
3.93%
Rank 42 of 176
Efficiency Ratio
49.52%
Rank 32 of 176
Equity / Assets
10.23%
Rank 93 of 176
Non-interest income vs. expense
Unfavorable gap of $23.5M · efficiency ratio beats 82% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.93% | 1.26% | 1.54% | Beats 88% | 21 / 176 | | |
| Return on Equity | 16.51% | 9.26% | 11.89% | 14.46% | Beats 88% | 22 / 176 | | |
| Net Interest Margin | 3.93% | 3.25% | 3.59% | 3.93% | Beats 76% | 42 / 176 | | |
| Efficiency Ratio | 49.52% | 52.79% | 59.55% | 67.66% | Beats 82% | 32 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.30% | 0.64% | 1.32% | Beats 98% | 4 / 176 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 77% | 41 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 14.38% | 11.15% | 12.72% | 14.15% | Beats 77% | 41 / 176 | | |
| Total Risk-Based Capital Ratio | 15.47% | 11.81% | 13.63% | 15.33% | Beats 77% | 40 / 176 | | |
| Equity / Assets | 10.23% | 9.16% | 10.35% | 11.80% | Beats 47% | 93 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.17% | 80.94% | 89.73% | 97.21% | 14th pctl | 152 / 176 | | |
| Loans / Assets | 67.06% | 69.25% | 75.12% | 80.82% | 17th pctl | 146 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |