LIBERTY BANK N.A.

IRVINE, CA | Small | Est. May 23, 2001, midnight | FDIC #35331 | RSSD #2907439 | OCC
Latest Report: 2025-12-31

LIBERTY BANK N.A. is asn small FDIC-insured commercial bank headquartered in IRVINE, CA, established in May 23, 2001, midnight. As of 2025-12-31, the bank reported total assets of $442M and total deposits of $381M. Profitability stands at -0.63% ROA and -4.62% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 18.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #35331.

Assets

$442M

Deposits

$381M

Loans

$350M

Equity

$58M

Profitability

Return on Assets (ROA) -0.63%
Return on Equity (ROE) -4.62%
Net Interest Margin (NIM) 3.32%
Yield on Assets 5.25%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 18.53%
Tier 1 Capital 18.53%
Total Capital Ratio 19.78%
Leverage Ratio 13.60%
Loan-to-Deposit 91.84%

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