Liberty Capital Bank
Addison, TX·RSSD 3690121·FDIC 58852·bank:3690121·Risk-based ratios where reported
- #116 of 352Total assets in Texas
- 5offices
- 77employees
- Top 1%Deposit growth in the U.S.
- Top 1%Loan growth in the U.S.
- Top 8%C&I loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Liberty Capital Bank
7 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Loans growing faster than peersStrength: Lending 2nd quarter+60.2%peers +5.5%+54.7 pp
Liberty Capital Bank's loans grew 60.2% over the past year to $622 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +60.2% | +5.5% | +54.7 pp |
| Loans | ||
| $622 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Liberty Capital Bank itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding 2nd quarter+54.6%peers +4.3%+50.4 pp
Liberty Capital Bank's deposits grew 54.6% over the past year to $676 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +54.6% | +4.3% | +50.4 pp |
| Deposits | ||
| $676 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Liberty Capital Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+52.0%peers +4.7%+47.3 pp
Liberty Capital Bank's total assets grew 52.0% over the past year to $768 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +52.0% | +4.7% | +47.3 pp |
| Total assets | ||
| $768 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Liberty Capital Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter60.4%peers 60.8%-0.4 pp
Liberty Capital Bank's efficiency ratio rose 15.0 percentage points over the past year to 60.4%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 60.4% | 60.8% | -0.4 pp |
| 12-month change | ||
| +15.0 pp | -2.1 pp | +17.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Liberty Capital Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings 2nd quarter0.11%peers 0.45%-34 bps
Liberty Capital Bank's noninterest income relative to average assets was 0.11%, compared with a median of 0.45% among 1434 similar banks: lower than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.11% | 0.45% | -34 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Liberty Capital Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Reliance on CDs rising while the peer median fallsFunding
- Return on assets falling while the peer median risesEarnings
Key facts
- Liberty Capital Bank is a bank headquartered in Addison, Texas. It reported $768 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $676 million, up 54.6% from a year earlier, and loans totaled $622 million, up 60.2%.
- Its net interest margin was 4.11% and its annualized return on assets was 1.42% for the quarter.
- Its cost of all deposits was 2.25%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Liberty Capital Bank's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Liberty Capital Bank · Bank
- Federal Reserve RSSD
- 3690121
- FDIC certificate
- 58852
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Liberty Capital Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.67M | — | |
| $11.24M | — | |
| $3.72M | — | |
| $7.52M | — | |
| $201K | — | |
| $4.66M | — | |
| $383K | — | |
| $383K | — | |
| 1.42% | 1.42%ROAQ · Quarter | |
| 4.11% | 4.10%NIMYQ · Quarter | |
| 60.41% | 58.15%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.