Question 1

What is First Liberty Bank (Texas)?

Accepted Answer

First Liberty Bank (Texas) is a state-chartered community bank headquartered in Liberty, Texas, serving Southeast Texas and the Greater Houston area. With approximately $820 million in total assets and 11 offices, the bank specializes in retail banking, commercial lending, mortgage services, insurance, and wealth management. First Liberty Bank is wholly owned by First Liberty National Bancshares, Inc. and emphasizes personalized community banking with local decision-making capabilities.

The bank focuses on small-town community integration while offering big-bank capabilities, serving as a trusted financial partner for individuals and businesses in Liberty, Chambers, Harris, Jefferson, Galveston, and surrounding counties.

Question 2

When was First Liberty Bank (Texas) founded?

Accepted Answer

First Liberty Bank (Texas) was founded on June 13, 1913, by Bert G. Riviere, who opened the doors with a $10,000 capital investment at 404 Main Street in Liberty, Texas. According to local history, Riviere had a negative banking experience and declared, "I can do it better," which inspired him to establish the institution originally named Liberty State Bank.

In 1925, the bank changed its name to The First Liberty National Bank and operated under federal charter for 97 years. On November 30, 2022, the bank converted from a national bank to a Texas state-chartered institution, officially becoming First Liberty Bank under the supervision of the Texas Department of Banking. This conversion allowed the bank to increase its lending capacity and maintain closer relationships with Texas banking regulators.

Question 3

Where is First Liberty Bank (Texas) headquartered?

Accepted Answer

First Liberty Bank (Texas) is headquartered in Liberty, Texas, at 1900 Sam Houston Street, where it has maintained its main office since 1961. The current building features drive-thru windows, commercial lanes, and video teller technology, reflecting over a century of continuous presence in Liberty County.

Question 4

Where does First Liberty Bank (Texas) operate?

Accepted Answer

First Liberty Bank (Texas) operates throughout Southeast Texas with 11 full-service locations across multiple counties. The bank serves communities in Liberty County (Liberty and Hardin), Harris County (Huffman), Chambers County (Mont Belvieu), Jefferson County (China/Beaumont), Polk County (Livingston - loan production office), Liberty County (Dayton with two locations including a mortgage center), San Jacinto County (Plum Grove/Cleveland), Brazoria County (Alvin, Manvel, and Pearland).

The bank's footprint covers the Houston-The Woodlands-Sugar Land metropolitan statistical area, providing convenient access to banking services throughout the region. First Liberty Bank completed the acquisition of First National Bank of Alvin and Pearland State Bank in early 2025, expanding its presence closer to Houston proper and adding three strategic locations.

Question 5

What services does First Liberty Bank (Texas) offer?

Accepted Answer

First Liberty Bank (Texas) offers comprehensive banking services including:

Retail Banking: Personal checking and savings accounts, certificates of deposit, consumer loans, and Visa debit cards with rewards programs.

Commercial Banking: Business checking and savings, commercial loans with lending limits up to $11 million (increased from $7 million after state charter conversion), treasury management services, and lines of credit.

Mortgage Services: Residential mortgages, home equity loans, long-term home financing through dedicated mortgage centers in Dayton and other locations.

Digital Banking: Mobile banking app (FLB Mobile Banking) with mobile deposit capture, online banking with bill pay, e-statements, fund transfers, and account management available 24/7. The bank also features Interactive Teller Machines (ITMs) and video teller drive-thru services.

Wealth Management: Investment services for stocks, bonds, and mutual funds through FLB Investment Services, financial planning, and estate planning assistance.

Insurance Services: Consumer and commercial insurance products through FLB Insurance Agency, acquired as Locke Insurance Agency in 2000.

Question 6

What makes First Liberty Bank (Texas) unique?

Accepted Answer

First Liberty Bank (Texas) distinguishes itself through several key attributes:

Local Ownership and Decision-Making: As a truly locally owned community bank for over 111 years, First Liberty Bank maintains independence in an era dominated by mega banks. All lending decisions are made locally, enabling faster response times and personalized service.

Technology Leadership: The bank was an early adopter of innovative banking technology in its market, being the first to offer trust services in Liberty County (1960s), introducing telephone banking (1980s), launching online banking (2001), implementing mobile banking (2014), and deploying Interactive Teller Machines (2018) for enhanced customer convenience.

Strategic Growth: First Liberty Bank has grown organically and through strategic acquisitions, expanding from approximately $430 million in assets in 2022 to nearly $850 million following the 2025 Pearland State Bank and First National Bank of Alvin acquisitions. The bank has achieved approximately 51% asset growth over six years while maintaining community focus.

Community Integration: The bank emphasizes deep community involvement, positioning itself as a partner invested in local growth rather than just a service provider. Management stresses that "we take great pride in being part of the community" and believes in community banking strength.

Enhanced Lending Capacity: The 2022 conversion to state charter increased the bank's maximum lending limit from approximately $7 million to $11 million, with post-acquisition capacity expanding by an additional $17-19 million, enabling the bank to serve larger commercial clients while maintaining community bank values.

Question 7

What type of financial institution is First Liberty Bank (Texas)?

Accepted Answer

First Liberty Bank (Texas) is a state-chartered community bank. After operating as a national bank for 97 years under the supervision of the Office of the Comptroller of the Currency, the institution converted to a Texas state charter in November 2022, placing it under the regulatory oversight of the Texas Department of Banking.

As a community bank, First Liberty Bank focuses on relationship-based banking, local decision-making, and serving the specific needs of the communities where it operates. The bank maintains FDIC insurance coverage for all deposits and operates as a wholly owned subsidiary of First Liberty National Bancshares, Inc. This structure allows the bank to combine the personalized service and community commitment typical of smaller institutions with the resources, technology, and product offerings associated with larger regional banks.

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