Liberty Bank N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.46 percentage points in Q2 2026, from 483.46% to 477.00%. It was the largest change from Q1 2026 among the key lines here. Liberty Bank N.A. ranks 30th of 114 California banks on loan-to-deposit ratio, in the upper half at 97.95% (Q2 2026). Liberty Bank N.A. reported 97.95% on loan-to-deposit ratio for Q2 2026, 17.11 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $329.4M |
| Net loans and leases | $325.4M |
| Loans held for sale | $0 |
| Loans to total assets | 82.51% |
| Loan-to-deposit ratio | 97.95% |
| Net loans to equity capital | 5.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.11% |
| Multifamily (5+ residential) | 45.29% |
| Commercial and industrial | 0.40% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 477.00% |
| Construction concentration (Tier 1 capital + allowance) | 29.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.36% |
| Interest income on loans | $4.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $446.6M | $458.3M | 45.01% | 1.13% | 0.86% |
| Q4 2023 | $467.9M | $449.8M | 42.80% | 3.00% | 0.67% |
| Q1 2024 | $458.2M | $473.7M | 42.83% | 1.01% | 0.56% |
| Q2 2024 | $446.8M | $464.6M | 43.65% | 0.87% | 0.45% |
| Q3 2024 | $440.1M | $427.6M | 42.84% | 0.85% | 0.36% |
| Q4 2024 | $416.0M | $403.0M | 41.67% | 0.93% | 0.30% |
| Q1 2025 | $388.8M | $380.7M | 41.22% | 0.96% | 0.25% |
| Q2 2025 | $377.1M | $327.6M | 39.83% | 0.96% | 0.20% |
| Q3 2025 | $365.6M | $336.6M | 40.04% | 0.97% | 0.14% |
| Q4 2025 | $350.0M | $381.1M | 42.90% | 1.06% | 0.12% |
| Q1 2026 | $337.2M | $336.4M | 41.20% | 1.22% | 0.10% |
| Q2 2026 | $329.4M | $336.3M | 42.11% | 0.40% | 0.07% |
Liberty Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Liberty Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35331) · FFIEC NIC profile (RSSD 2907439)