Liberty National Bank
Total assets
$1.32B
▲ +8.0% YoY
Deposits
$1.18B
▲ +7.2% YoY
Loans
$875.9M
▼ -0.7% YoY
Offices
9
B O E BANCSHARES INC
ROA (annualized)
2.15%
peers 1.26%
ROE (annualized)
21.18%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Liberty National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.5% | +2.5 pts |
| Deposit growth (YoY) | +7.2% | +5.1% | +2.1 pts |
| Loan growth (YoY) | -0.7% | +5.9% | -6.6 pts |
| ROA | 2.15% | 1.26% | +0.9 pts |
| ROE | 21.2% | 12.2% | +9.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- B O E BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 629 Sw C Ave, Lawton, OK, 73501
- County
- Comanche
- Metro area
- Lawton, OK
- Offices
- 9
- FDIC cert #
- 11522
- RSSD ID
- 68756
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.32B | $1.18B | $875.9M | $135.2M | $14.2M | 2.15% | 4.18% | 0.01% |
| Q1 2026 | $1.31B | $1.18B | $857.6M | $133.0M | $7.0M | 2.11% | 4.04% | 0.01% |
| Q4 2025 | $1.33B | $1.19B | $853.0M | $134.4M | $28.2M | 2.25% | 4.18% | 0.01% |
| Q3 2025 | $1.19B | $1.06B | $883.2M | $126.7M | $20.3M | 2.19% | 4.22% | 0.02% |
| Q2 2025 | $1.22B | $1.10B | $881.7M | $116.7M | $13.2M | 2.10% | 4.13% | 0.06% |
| Q1 2025 | $1.24B | $1.12B | $852.0M | $116.6M | $6.6M | 2.10% | 4.09% | 0.10% |
| Q4 2024 | $1.28B | $1.17B | $845.6M | $109.8M | $19.0M | 1.53% | 3.66% | 0.06% |
| Q3 2024 | $1.23B | $1.11B | $842.3M | $108.1M | $13.7M | 1.49% | 3.59% | 0.08% |
Loan mix (Q2 2026): real estate $636.1M · commercial $164.6M · consumer $6.5M · securities $223.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Liberty National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 1.26% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 21.2% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.70% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 59.0% | 22th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Liberty National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Liberty National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Liberty National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Liberty National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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