Is Liberty Capital Bank Safe?
Liberty Capital Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.96% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 28.20% | 93/100 |
| Return on Assets | 0.97% | 59/100 |
| Total Assets | $0.4B | |
How does Liberty Capital Bank compare?
With a Bank Health Score of 94/100, Liberty Capital Bank sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Liberty Capital Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 15.96% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Liberty Capital Bank's Bank Health Score fell by 4.0 points to 94/100. Tier 1 capital weakened by 2.04 percentage points to 15.96%. Quarter-over-quarter, the score rose by 1.0 points.
Liberty Capital Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).