Overview
First Liberty Bank (FLB) is a prominent independent community banking institution with a strong presence in Texas, including cities like Liberty, Dayton, Hardin, Huffman, Mont Belvieu, and others. Founded in 1913, the bank specializes in delivering comprehensive services for individuals and businesses with an emphasis on superior personal service, sound financial management, and innovative technology. FLB operates under a mission to provide superior financial solutions, anchored by core values of Trust, Integrity, Courtesy, and Commitment.
Online and Mobile Banking
FLB provides an array of online and mobile banking services that allow for 24/7 account management, bill payment, and fund transfers. These services ensure convenient access to financial tools from any location, with the security of being FDIC-insured, backed by the full faith and credit of the U.S. Government.
Banking Services
Personal Banking at FLB includes checking and savings accounts and a variety of loan products. Business Banking features solutions such as commercial lending, business accounts, and treasury management services. The bank also offers mortgage services, handling all aspects of mortgage loan processes and applications. Additionally, FLB provides investment services, including insurance and investment options.
Leadership
The leadership of First Liberty Bank is spearheaded by Kelly D. Stretcher, the President and CEO, who is instrumental in guiding the bank's strategic growth and community-focused service. The board of directors, which includes Jim Bob Evans, Lisa Fleetwood, Guy Larry Harris, Matt Harris, Paul Henry, and Joan Jeffery, brings a wealth of expertise to support the bank's operations and governance.
Recent Developments
Under the effective leadership of Kelly D. Stretcher, First Liberty Bank continues to cement its role as a primary community bank in Greater Oklahoma City Metro and Dallas/Fort Worth areas, amidst larger banking institutions. The introduction of new board members is set to align the bank with diverse perspectives and enriched expertise, enhancing its strategic direction.
Contact and Locations
For inquiries or visits, First Liberty Bank can be contacted by phone at (936) 336-6471. With multiple locations across Texas, FLB ensures its services are accessible, fortifying its community presence.
Competitor Profiling for First Liberty Bank
Top Competitors
First Liberty Bank operates within a competitive landscape with notable banks in its region.
1. IBC Bank
- Overview: Established in 1966, IBC Bank is a significant entity of International Bancshares Corporation, boasting assets over $15 billion while serving Texas and Oklahoma. The bank emphasizes community engagement and offers a comprehensive suite of financial products.
- Locations: Based in Laredo, TX, with branches in Oklahoma City and Tulsa, OK.
2. Liberty National Bank
- Overview: Founded in 1902, Liberty National Bank has expanded significantly, with assets surpassing $1 billion. It focuses on a personalized banking experience, with local decision-making capabilities.
- Locations: Operates from Lawton, OK, with branches in Chickasha, Elgin, and Oklahoma City.
3. Citizens State Bank
- Overview: Dating back to 1910, Citizens State Bank is rooted in Midwest communities, focusing on personalized service with tailored financial products.
- Locations: Strong presence in Kansas and Texas.
4. Alliance Bank
- Overview: Known for balancing personalized customer service with digital offerings, Alliance Bank was established in the late 1990s, continuing a legacy of financial stability.
- Locations: Predominantly in Missouri, including Cape Girardeau and Sikeston.
5. BCBank, Inc.
- Overview: Founded in 1970, BCBank primarily serves West Virginia with core commercial and consumer banking services, focusing on community-first solutions.
- Locations: Main office located in Philippi, WV, with branches in Nutter Fort and Fairmont.
Financial Overview
First Liberty Bank has an annual revenue of approximately $19.9 million and operates with a workforce of around 95 employees, positioning itself competitively among regional banks aiming for strong community ties and personalized service offerings.
Strategic Insights
To remain competitive, First Liberty Bank should further leverage its community-centric approach while enhancing its digital offerings. Competing against larger banks such as IBC, which have greater assets and reach, FLB can focus on niche markets and personalized services. Expansion into nearby territories could offer strategic advantages in differentiating itself within a competitive market landscape.
