First Liberty Bank
Liberty, TX
IDRSSD: 629353
Total Assets
$820.54M
Latest filing
Total Deposits
$704.72M
Latest filing
Net Interest Margin
4.89%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Liberty Bank
1900 Sam Houston St
Liberty, TX 77575
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1913FDIC Certificate 2137
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Liberty Bank (Main) | 1900 Sam Houston St | Liberty, TX |
| PEARLAND BRANCH | 2301 N Main St | Pearland, TX |
| ALVIN BRANCH | 1600 E Highway 6 | Alvin, TX |
| MANVEL BRANCH | 20102 Highway 6 | Manvel, TX |
| DAYTON BRANCH | 109 E Highway 90 | Dayton, TX |
| HUFFMAN BRANCH | 24900 Fm 2100 Rd | Huffman, TX |
| HARDIN BRANCH | 11030 Highway 146 N | Liberty, TX |
| CHINA BRANCH | 15113 Highway 90 | Beaumont, TX |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77575 |
| State and County Number | 48291 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Houston-The Woodlands-Sugar Land, TX |
Operational Info
| Number of Employees | 118 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/21/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | flb.bank |
| Data Updated | 11/14/2025 |
| CERT | 3301 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $820.54M |
| Total Deposits | $704.72M |
| Total Liabilities | $726.15M |
| Total Equity Capital | $94.39M |
| Net Income | $2.54M |
| Net Loans and Leases | $443.11M |
| Assets Per Employee ($Millions) | $6.84M |
| Bank Premises and Fixed Assets | $27.03M |
| Cash and Balances due from Depository Institutions | $81.60M |
| Deposits Held in Domestic Offices | $704.72M |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 10.97% |
| Net Interest Margin | 4.89% |
| Efficiency Ratio | 56.22% |
| Tier 1 Risk-Based Capital Ratio | 15.939% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.65% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.503% |
| Earning Assets to total Assets | 92.05% |
Income and Expense
| Total Interest Income | $11.84M |
| Total Noninterest Income | $1.38M |
| Total Interest Expense | $2.60M |
| Total Noninterest Expense | $6.17M |
| Net Interest Income | $9.25M |
| Pre-tax Net Operating Income | $3.12M |
| Provision for Credit Losses | $1.34M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $334.00k |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.43M |
| Total Liabilities and Capital | $820.54M |
Securities
| Securities | $243.22M |
| Available-for-sale debt securities | $243.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Liberty Bank?
$820.54M as of the latest filing.
How much are First Liberty Bank's total deposits?
$704.72M in total deposits.
Where is First Liberty Bank located?
Liberty, TX.
What is the Net Interest Margin?
4.89%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$443.11M (latest filing).
What is the total interest income (latest filing)?
$11.84M.