Bank · FDIC insured
First Liberty Bank
Top CarrotA $885M bank headquartered in Oklahoma City, OK, with 4 branches in 2 states. Best rates: CDs 4.15% and savings 1.30% APY.
First Liberty Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#31 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Liberty Bank
First Liberty Bank was founded on October 2, 2006, by Barry Switzer, Toby Keith, Hunter Miller, and CEO Joey Root.
Originally opening in Oklahoma City, the bank expanded to Norman in 2018 and serves the Greater Oklahoma City Metro, Norman, and Dallas/Fort Worth areas.
In 2024, the bank expanded into Frisco, Texas, operating under the First Lonestar Bank name.
- Headquarters
- 9601 N May Ave, Oklahoma City, OK 73120
- FDIC certificate
- 14029 ↗
Branches
4 branches in 2 states
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Oklahoma
2 branches
- First Liberty BankMain office9601 N May Ave, Oklahoma City, OK 73120Directions
- Norman Branch3500 24th Ave Nw, Norman, OK 73069Directions
Texas
2 branches
- First Lonestar Bank Branch13400 Preston Rd, Dallas, TX 75240Directions
- Frisco Branch2600 Dallas Pkwy, Frisco, TX 75034Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.82% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.07% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio11.82%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.07%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Liberty Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.