Total Assets
$463M
Total balance-sheet footings
FDIC Cert #3384 · Paris, Texas · Est. 1931
The Liberty National Bank in Paris - FDIC Bank Health Profile
A community-scale look at The Liberty National Bank in Paris's own numbers, pulled straight from its quarterly FDIC Call Report.
- $463M
- Total assets
- A
- Health grade · Excellent
- 1.28%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Liberty National Bank in Paris earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.74% Tier 1, profitable at 1.28% ROA, efficient (52% cost ratio).
- #1,901
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 11.74%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Liberty National Bank in Paris's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Liberty National Bank in Paris's composite health score
Tier 1 Capital Ratio (11.74%) 28/40
Return on Assets (ROA) (1.28%) 20/25
Texas Ratio (4.25%) 20/20
Efficiency Ratio (51.87%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$409M
Customer-funded liabilities
Net Loans
$311M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Liberty National Bank in Paris ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Liberty National Bank in Paris's score of 80/100 falls in the highlighted band.
The Liberty National Bank in Paris's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Liberty National Bank in Paris's $463M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.74%
Texas Ratio
4.25%
Equity Capital
$52M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
11.39%
Efficiency Ratio
51.87%
What the numbers say about The Liberty National Bank in Paris
The Liberty National Bank in Paris is an FDIC-insured institution (Certificate #3384) headquartered in Paris, Texas, established in 1931. It holds $463M in total assets - 1,901st of 4,313 FDIC-insured banks, $409M in customer deposits, and $311M in net loans. Its capital position: a Tier 1 ratio of 11.74%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.25% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (80 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Liberty National Bank in Paris sits 167th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$23M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Liberty National Bank in Paris reports a Texas Ratio of 4.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Liberty National Bank in Paris (FDIC Cert #3384) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is The Liberty National Bank in Paris's health grade?▼
The Liberty National Bank in Paris receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Liberty National Bank in Paris?▼
The Liberty National Bank in Paris holds $463M in total assets and $409M in deposits, ranking 1,901st of 4,313 FDIC-insured banks by asset size. It is headquartered in Paris, Texas.
Is my money safe at The Liberty National Bank in Paris?▼
Yes, deposits at The Liberty National Bank in Paris (Certificate #3384) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Liberty National Bank in Paris's Tier 1 Capital Ratio?▼
The Liberty National Bank in Paris has a Tier 1 Capital Ratio of 11.74%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Liberty National Bank in Paris?▼
The Liberty National Bank in Paris has a Texas Ratio of 4.25%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Liberty National Bank in Paris?▼
The Liberty National Bank in Paris has an Efficiency Ratio of 51.87%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Liberty National Bank in Paris's profile as a depositor or analyst.
- The Liberty National Bank in Paris's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Liberty National Bank in Paris against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.