$396M
−11.0%y/y
Percentile by value27th percentileby value
FDIC
ASSETLB
Liberty Bank, National Association
Irvine, CaliforniaFDIC Cert #35331
OCCEstablished 20014 branches
Holding company: DMG BANCSHARES INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportLiberty Bank, National Association reported $396M in total assets. Deposits declined 11.64% over the prior year.
Return on assets was −0.37%, compared with an asset-peer median of 1.22%. The leverage ratio was 13.42%.
- Why is CRE Concentration to Capital above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$336M
−11.6%y/y
Percentile by value27th percentileby value
FDIC
DEP$333M
−13.4%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET−0.37%
+106 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA110.08%
−4,289 bpsy/y
Peer standing1st percentile
FDIC
NONIX + NIM + NONII + EEFFR13.42%
+75 bpsy/y
Peer standing83rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $144M | $97.9M |
| Q3 2021 | $147M | $102M |
| Q4 2021 | $172M | $129M |
| Q1 2022 | $316M | $246M |
| Q2 2022 | $338M | $268M |
| Q3 2022 | $590M | $501M |
| Q4 2022 | $552M | $463M |
| Q1 2023 | $582M | $446M |
| Q2 2023 | $599M | $462M |
| Q3 2023 | $544M | $458M |
| Q4 2023 | $559M | $450M |
| Q1 2024 | $550M | $474M |
| Q2 2024 | $541M | $465M |
| Q3 2024 | $503M | $428M |
| Q4 2024 | $479M | $403M |
| Q1 2025 | $445M | $381M |
| Q2 2025 | $429M | $328M |
| Q3 2025 | $414M | $337M |
| Q4 2025 | $442M | $381M |
| Q1 2026 | $396M | $336M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $22.1M |
| Investor CRE | $117M |
| Multifamily | $154M |
| Construction | $16.7M |
| 1–4 family | $22.7M |
| C&I | $4.12M |
| Agriculture | $0 |
| Other | $341K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.37%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE−2.65%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.31%22nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR110.08%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−11.64%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−13.35%1st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ13.42%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.00%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC486%99th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.37%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.10%Median 1.10%90th 2.16%Observations 121
ROE
FDIC
NETINC + ROE−2.65%8th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.97%Median 8.59%90th 17.23%Observations 121
NIM
FDIC
NIM + NIMY3.31%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.85%Median 3.77%90th 4.90%Observations 123
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR110.08%7th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.68%Median 60.80%90th 96.70%Observations 121
Deposits YoY
FDIC
DEP−11.64%3rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.66%Median +4.99%90th +23.38%Observations 120
Loans YoY
FDIC
LNLSNET−13.35%2nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.04%Median +7.60%90th +21.89%Observations 116
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.67%Observations 117
Leverage
FDIC
RBC1AAJ13.42%67th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.40%Median 11.85%90th 22.17%Observations 123
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.00%44th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.66%Median 2.81%90th 3.93%Observations 117
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC486%96th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 96%Median 254%90th 442%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.37%3rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.99%90th 2.27%Observations 35
ROE
FDIC
NETINC + ROE−2.65%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.74%Median 7.74%90th 14.75%Observations 35
NIM
FDIC
NIM + NIMY3.31%18th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.19%Median 3.80%90th 4.85%Observations 35
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR110.08%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.32%Median 63.88%90th 83.64%Observations 35
Deposits YoY
FDIC
DEP−11.64%3rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −8.91%Median +4.68%90th +17.99%Observations 34
Loans YoY
FDIC
LNLSNET−13.35%3rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.23%Median +8.07%90th +13.28%Observations 34
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.21%90th 3.73%Observations 34
Leverage
FDIC
RBC1AAJ13.42%65th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.55%Median 11.87%90th 22.77%Observations 35
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.00%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.88%Median 3.10%90th 3.84%Observations 34
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC486%95th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 134%Median 274%90th 457%Observations 23
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Irvine, CA
FDIC
OFFDOMOpen the California dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data