Liberty Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Bank N.A. of Irvine, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.55% | 1.35% | -1.90% | 3rd bottom |
| ROAE | -3.66% | 13.32% | -16.98% | 3rd bottom |
| Net Interest Margin | 3.42% | 3.93% | -0.51% | 25th below |
| Efficiency Ratio | 111.63% | 61.12% | +50.51% | 2nd bottom |
| PPNR / Avg Assets | -0.55% | 1.68% | -2.23% | 2nd bottom |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds | 2.00% | 1.88% | +0.12% | 37th below |
| Net Interest Spread | 2.60% | 3.32% | -0.72% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 50th above |
| Texas Ratio | 0.01% | 7.33% | -7.32% | 90th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.38% | 19.50% | -0.12% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.38% | 19.54% | -0.16% | 75th top |
| Total Capital Ratio | 20.63% | 20.62% | +0.01% | 75th top |
| Leverage Ratio | 14.44% | 12.14% | +2.30% | 84th top |
| Equity / Assets | 14.29% | 11.37% | +2.92% | 86th top |
| TCE / Tangible Assets | 13.65% | 11.09% | +2.56% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.95% | 80.63% | +17.32% | 14th bottom |
| Core Deposit Ratio | 77.44% | 86.86% | -9.42% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.88% | 6.86% | -13.74% | 3rd bottom |
| Loan Growth (Y/Y) | -12.65% | 7.91% | -20.56% | 2nd bottom |
| Deposit Growth (Y/Y) | 2.63% | 6.29% | -3.66% | 40th below |
See Liberty Bank N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Bank N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Liberty Bank N.A. profile, how to read a UBPR, or how this data updates.