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Liberty Bank, National Association
Irvine, CA · FDIC Certificate #35331 · Chartered 05/2
Total assets
$399.18M
Total deposits
$336.27M
Total equity
$57.05M
Net loans
$325.43M
Branches (offices)
4
Net income (YTD)
-$907.00K
Rank: #2,060 of 4,213 U.S. banks by assets · #84 of 115 in California. Assets changed -6.9% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.44% |
| Return on equity | -3.15% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 14.29% |
| Tier 1 leverage ratio | 14.44% |
| Uninsured deposits (share of deposits) | 22.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 96.8% |
| Real estate loans (share of loans) | 100.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $327.83M | 100.7% | |
| Commercial & industrial | $1.31M | 0.4% | |
| Consumer / individual | $245.00K | 0.1% | |
| Construction & development | $17.36M | 5.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $338.18M | $268.19M | -$5.13M | $67.98M |
| Jun 2023 | $598.91M | $462.32M | -$1.52M | $81.63M |
| Jun 2024 | $541.28M | $464.61M | -$2.15M | $69.72M |
| Jun 2025 | $428.67M | $327.64M | -$3.18M | $60.12M |
| Jun 2026 | $399.18M | $336.27M | -$907.00K | $57.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $336.27M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $336.27M.
Similar-sized banks
Pony Express Bank ($399.47M) · Bank Of St. Francisville ($398.68M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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