BlastPoint's Banking Scorecard

Liberty Bank, National Association

$100M-$1B Specialty: Commercial CA FDIC cert 35331

Irvine, CA

4 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits +2.6% year over year ($336.3M on the books).
Delinquency rate 0.00%.
Return on assets -0.44%.
Efficiency ratio 110.84% vs a 64.48% peer average.
Loan-to-deposit ratio 96.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

Liberty Bank, National Association has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 25.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.4% in tier
- Liquidity Strain: Bottom 3.6% in tier
- Liquidity Overhang: Bottom 20.5% in tier
- Return on Assets 1.76% below tier average
- Efficiency Ratio 46.36% above tier average
- Non-Interest Income / Assets 0.51% below tier average
- Net Interest Margin 0.68% below tier average

Get updates when Liberty Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$399.2M -6.9% YoY +0.7% QoQ	+$12.6M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$325.4M -12.7% YoY -2.4% QoQ	+$67.1M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$336.3M +2.6% YoY -0.0% QoQ	+$9.5M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	-0.44% +68.8% YoY -20.3% QoQ	-1.76%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 1.9% in tier
Net Interest Margin ?	3.31% +24.0% YoY -0.2% QoQ	-0.68%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	110.84% -26.6% YoY +0.7% QoQ	+46.36%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 1.3% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 12.1% in tier
Loan-to-Deposit Ratio ?	96.78% -15.0% YoY -2.3% QoQ	+18.82%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ?	23.18% -2.1% YoY -4.8% QoQ	+1.15%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 11.2% in tier
Tier 1 Capital Ratio ?	19.38% +6.9% YoY +0.9% QoQ	+3.47%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.05% +7.4% YoY +102.5% QoQ	-0.51%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 6.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	23.2% -0.5pp YoY -1.2pp QoQ	+1.0pp	22.1%	25.5%	22.2%	60%
Brokered Deposits	20.5% -11.6pp YoY -1.8pp QoQ	+12.7pp	7.9%	11.0%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	0.4% -0.6pp YoY -0.8pp QoQ	-11.2pp	11.6%	11.8%	12.5%	2%
CRE	93.8% +0.4pp YoY +0.8pp QoQ	+54.3pp	39.5%	67.5%	41.4%	100%
1-4 Family	6.9% +0.4pp YoY +0.1pp QoQ	-25.7pp	32.6%	16.5%	31.3%	7%
Consumer	0.1% -0.1pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.3%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	19.4% +1.2pp YoY +0.2pp QoQ	+0.6pp	18.8%	23.7%	19.7%	75%
Leverage Ratio	14.4% +0.9pp YoY +1.0pp QoQ	+2.3pp	12.2%	14.5%	12.6%	84%
Total Capital Ratio	20.6% +1.2pp YoY +0.2pp QoQ	+0.7pp	19.9%	25.1%	20.8%	76%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	55 -10 (-15.4%) YoY 0 QoQ	-4	58	337	482	58%
Assets per Employee ($)	$7.3M +10.1% YoY +0.7% QoQ	-$260K	$7.5M	$11.3M	$8.8M	56%
Branch Count	4 0 YoY 0 QoQ	-1	4	15	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.3%	0.4%	5%
Nonaccrual	n/a	n/a	0.9%	1.4%	1.0%	n/a
Allowance Coverage	790.20x	+766.05x	24.15x	17.11x	20.23x	99%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	-3.1% +7.2pp YoY -0.5pp QoQ	-15.3pp	12.2%	8.2%	11.6%	2%
Cost of Funds (YTD)	1.8% -0.5pp YoY -0.1pp QoQ	+0.1pp	1.7%	1.9%	1.7%	59%
Net Income ($, YTD)	$-907000.0 +71.5% YoY — QoQ	-$3.5M	$2.6M	$28.5M	$40.4M	2%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#169 of 659 • Top 25.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#6 of 1256 • Bottom 0.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Strain

risk

#26 of 691 • Bottom 3.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.78%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#153 of 742 • Bottom 20.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.38%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 96.78%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

296

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#296 of 2643 Top 11.2% in $100M-$1B

319

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#319 of 2633 Top 12.1% in $100M-$1B

403

Tier 1 Capital Ratio

capital

Value: 19.38%

Peer Median: 15.91%

#403 of 2643 Top 15.2% in $100M-$1B

Top Weaknesses (5 metrics)

2610

Efficiency Ratio

profitability

Value: 110.84%

Peer Median: 64.48%

#2610 of 2643 Bottom 1.3% in $100M-$1B

2595

Return on Assets

profitability

Value: -0.44%

Peer Median: 1.32%

#2595 of 2643 Bottom 1.9% in $100M-$1B

2483

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2483 of 2643 Bottom 6.1% in $100M-$1B

2275

Loan-to-Deposit Ratio

liquidity

Value: 96.78%

Peer Median: 77.95%

#2275 of 2643 Bottom 14.0% in $100M-$1B

2113

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.99%

#2113 of 2643 Bottom 20.1% in $100M-$1B