Liberty Bank N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.30 percentage points lower than in Q1 2026, at 97.95%. Liberty Bank N.A. has the 10th lowest return on assets of the 114 banks headquartered in California, at -0.55% as of Q2 2026. Liberty Bank N.A.'s return on assets of -0.55% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.38% |
| Tier 1 risk-based capital ratio | 19.38% |
| Total risk-based capital ratio | 20.63% |
| Tier 1 leverage ratio | 14.44% |
| Equity capital to assets | 14.29% |
| Tangible equity to tangible assets | 13.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.55% |
| Return on equity | -3.66% |
| Net interest margin | 3.42% |
| Efficiency ratio | 111.63% |
| Yield on earning assets | 5.23% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.95% |
| Core deposits to total deposits | 77.44% |
| Brokered deposits to total deposits | 20.54% |
| Deposits to assets | 84.24% |
| Securities to assets | 1.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.66% | 14.66% | 15.91% | 12.81% | -0.71% |
| Q4 2023 | 14.02% | 14.02% | 15.27% | 12.33% | -6.36% |
| Q1 2024 | 16.23% | 16.23% | 17.48% | 12.36% | -1.18% |
| Q2 2024 | 16.88% | 16.88% | 18.14% | 12.26% | -0.40% |
| Q3 2024 | 16.68% | 16.68% | 17.81% | 12.30% | -0.89% |
| Q4 2024 | 16.87% | 16.87% | 18.07% | 12.23% | -4.37% |
| Q1 2025 | 17.78% | 17.78% | 19.03% | 12.67% | -1.40% |
| Q2 2025 | 18.13% | 18.13% | 19.39% | 13.58% | -1.42% |
| Q3 2025 | 17.93% | 17.93% | 19.18% | 13.43% | -1.60% |
| Q4 2025 | 18.53% | 18.53% | 19.78% | 13.60% | -0.65% |
| Q1 2026 | 19.21% | 19.21% | 20.46% | 13.42% | -0.37% |
| Q2 2026 | 19.38% | 19.38% | 20.63% | 14.44% | -0.55% |
Liberty Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)