BlastPoint's Banking Scorecard
Liberty Bank, National Association
Irvine, CA
4 branches across CA
Liberty Bank, National Association has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47.7% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.9% in tier
- - Liquidity Overhang: Bottom 16.1% in tier
- - Capital Constraint: Bottom 74.1% in tier
- - Return on Assets 1.63% below tier average
- - Efficiency Ratio 44.79% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.62% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$396.5M
-11.0% YoY
-10.3% QoQ
|
+$10.4M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$333.3M
-13.4% YoY
-3.7% QoQ
|
+$77.6M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$336.4M
-11.6% YoY
-11.7% QoQ
|
+$8.4M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
-0.37%
+74.4% YoY
+70.9% QoQ
|
-1.63% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.1% in tier |
| Net Interest Margin ? |
3.31%
+33.6% YoY
+14.8% QoQ
|
-0.62% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
110.08%
-28.0% YoY
-21.7% QoQ
|
+44.79% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
99.08%
-1.9% YoY
+9.2% QoQ
|
+22.45% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.34%
+21.0% YoY
+14.5% QoQ
|
+2.32% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
19.21%
+8.0% YoY
+3.7% QoQ
|
+3.38% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.03%
+8.1% YoY
-72.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.3% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.