Liberty National Bank

What Liberty National Bank does

Liberty National Bank is a privately held, nationally chartered community bank headquartered in Lawton, Oklahoma, operating continuously since 1902 across the Oklahoma market. It serves two primary customer segments: individual consumers, who use personal checking, savings, certificates of deposit, IRAs, personal loans, mortgages, credit cards, and digital banking channels; and small-to-medium businesses, which access business checking, business savings, commercial lending (business lines of credit, commercial real estate, equipment financing, business acquisition financing, speculative construction loans, livestock loans), treasury management, merchant services, and business credit cards.

The technology footprint centers on a web-based online banking platform and the myLiberty mobile banking app, supported by integrations including Zelle for peer-to-peer transfers, iCheckGateway for online loan and safe deposit box payments, Deluxe for check reordering, and a SecureBankSolutions-powered chat widget. Additional digital services include Early ACH Pay, e-Documents with paperless enrollment, fraud alert monitoring, secure document upload, and a Touch Tone Teller phone banking channel. Reward checking products (Align and Ascent) launched in March 2026 pay up to 4.00% APY with monthly rewards, indicating a deposit-acquisition emphasis.

Revenue mechanics span interest income from consumer, mortgage, and commercial loan portfolios; transaction fees and service charges on deposit accounts; merchant services revenue from payment processing; interchange and annual fees from credit card products; and professional services fees from treasury management. Distribution is hybrid: physical branches and ATMs across Oklahoma paired with online account opening, web banking, and mobile app self-service channels, supported by content marketing (blog, video tutorials, financial calculators) for top-of-funnel engagement.

Name

Liberty National Bank

Legal name

Liberty National Bank

Website

https://lnbok.com

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

51–100 employees

Short description

Liberty National Bank is a nationally chartered Oklahoma community bank, in operation since 1902, serving individual consumers and small-to-medium businesses with deposit accounts, consumer and commercial loans, treasury management, merchant services, and digital banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking
• Commercial lending
• Consumer deposits
• Mortgage lending
• Treasury management

Headquarters

HQ city

Lawton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Loans: Revenue generated from interest charged on various loan products including personal loans, mortgage loans, commercial real estate loans, equipment financing, business acquisition financing, construction loans, and livestock loans.
2. Deposit Account Fees and Service Charges: Fees collected from deposit accounts including checking accounts, savings accounts, and certificates of deposit, including maintenance fees and transaction charges.
3. Merchant Services: Revenue from processing payment transactions for business customers through merchant services.
4. Credit Card Fees: Income from credit card products including interchange fees and annual/card fees.
5. Treasury Management Services: Fees for business treasury management services including payment processing, receivables management, and cash management solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Liberty National Bank is an Oklahoma community bank providing personal and business deposit accounts (checking, savings, CDs, IRAs), consumer and commercial loans (personal, mortgage, commercial real estate, equipment, business acquisition, construction, livestock), credit cards, merchant services, and treasury management. Customers access services through Oklahoma branch locations, ATMs, and digital channels including web-based online banking and the myLiberty mobile app. The bank serves both individual consumers and small-to-medium businesses in the Oklahoma market.

Product overview

Liberty National Bank is a regional Oklahoma-based financial institution offering a comprehensive banking platform with personal and business banking products. The core portfolio includes personal checking and savings accounts (including the Align and Ascent reward checking products paying up to 4.00% APY), personal loans and mortgages, business checking and savings, and commercial lending (business lines of credit, commercial real estate, equipment financing, acquisition financing, construction loans, livestock loans). Digital services include online and mobile banking (myLiberty App), Zelle peer-to-peer payments, and business treasury management. Add-on services encompass merchant services, credit cards, fraud protection, secure document upload, e-documents, and Early ACH Pay. Support services include financial education, video tutorials, and calculators.

Differentiator

Problem solved

Functional benefit

Brands

• myLiberty App: Mobile banking application allowing customers to bank anywhere, anytime
• Align Checking
• Ascent Checking

Products and services

• Personal Checking

Quantifiable outcome

• Up to 4.00% APY on reward checking accounts

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature7 records

Partnerships

Two partnerships are on record, tiered minor and core.

• DeluxeminorOthersDeluxe provides check reordering services for Liberty National Bank customers through an external link on the bank's website.
• ZellecoreTechnology or IntegrationIntegrated P2P payment service allowing Liberty National Bank customers to send money to others using just a phone number or email address, integrated directly into the bank's online and mobile banking platforms.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Regional players

• First United Bank & Trust: First United Bank & Trust is a community bank headquartered in Oklahoma with a similar consumer and commercial banking focus. Comparable in size and operating philosophy to Liberty National Bank, it competes in adjacent Oklahoma markets for SMB and consumer relationships.
• Intrust Bank: Intrust Bank is a Kansas-based community bank with a similar profile of personal, business, and wealth management services and comparable size and branch-led distribution. It is a relevant regional comparable for community bank operating model, though it does not directly compete in Oklahoma.
• Arvest Bank: Arvest Bank is a regional community bank operating across Arkansas, Oklahoma, Kansas, and Missouri with a comparable full-service community bank model. It overlaps with Liberty National Bank in eastern Oklahoma markets for personal and business banking, mortgage, and consumer lending.

Emerging players

• Quontic Bank: Quontic Bank is a digital-first challenger bank with a high-yield checking account product that competes in the same reward-checking segment as Liberty National Bank's Align and Ascent accounts. It is an emerging digital competitor for rate-sensitive Oklahoma deposit customers.
• Chime: Chime is a large U.S. neobank offering fee-free checking, early direct deposit, and a digital-first experience that directly competes with Liberty National Bank's Align/Ascent reward checking positioning. It represents the fintech competitor targeting the same Oklahoma consumer deposit base with a fully digital model.

Broad incumbents

• JPMorgan Chase: JPMorgan Chase is the largest U.S. retail and commercial bank with national branch coverage including Oklahoma. It competes with Liberty National Bank for consumer deposits, mortgages, and credit cards, and its scale and digital investments set the competitive baseline for community banks in the same markets.
• Wells Fargo: Wells Fargo is a major national bank with significant consumer and small business banking presence in Oklahoma. It overlaps with Liberty National Bank across personal checking, mortgages, small business lending, and treasury management at a vastly larger scale.
• Bank of America: Bank of America is a national megabank with consumer, small business, and commercial banking products broadly comparable to Liberty National Bank's portfolio. It competes for the same Oklahoma consumer and SMB customers and represents a key incumbent competitor in the bank's core geographies.

Direct peers

• BancFirst Corporation: BancFirst is the largest Oklahoma-based state-chartered commercial bank, with deep branch presence across the state. It directly competes with Liberty National Bank for Oklahoma consumer deposits, SMB lending, and commercial real estate, and is the most natural direct peer in the same geography.
• BOK Financial: BOK Financial (Bank of Oklahoma) is a major Tulsa-headquartered regional bank with significant Oklahoma branch coverage and full commercial, consumer, and wealth management capabilities. It competes head-to-head with Liberty National Bank for Oklahoma SMBs, mortgages, and commercial lending relationships, but at substantially greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/mylnbok

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty National Bank