BlastPoint's Banking Scorecard
Liberty Bank, National Association
Micro
Specialty: Commercial
CA
FDIC cert 35331
Designations: ✓ Community bank
Irvine, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Liberty Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.34% below tier
- - Efficiency Ratio 72.94% above tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$442.0M
-7.7% YoY
+6.8% QoQ
|
+$224.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$345.9M
-16.0% YoY
-4.3% QoQ
|
+$206.7M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$381.1M
-5.4% YoY
+13.2% QoQ
|
+$197.4M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
-1.25%
+24.8% YoY
+14.6% QoQ
|
-2.34% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.89%
+40.4% YoY
+2.5% QoQ
|
-0.96% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
140.66%
-15.7% YoY
-6.1% QoQ
|
+72.94% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
90.78%
-11.1% YoY
-15.5% QoQ
|
+16.25% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
21.25%
+23.2% YoY
-10.5% QoQ
|
-1.14% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
18.53%
+9.8% YoY
+3.3% QoQ
|
+9.67% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.09%
-72.8% YoY
+25.0% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.25%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
140.66%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Total Loans
Current: $345.9M · Tier avg: $139.2M
95
95th pctile
Total Deposits
Current: $381.1M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $442.0M · Tier avg: $217.5M
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.53% · Tier avg: 8.85%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.78% · Tier avg: 74.53%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.25% · Tier avg: 22.39%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
2
2th pctile
Return on Assets
Current: -1.25% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 140.66% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 140.66% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.25% · Tier avg: 1.08%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.25% · Tier avg: 22.39%
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.78% · Tier avg: 74.53%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.53% · Tier avg: 8.85%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Total Assets
Current: $442.0M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $381.1M · Tier avg: $183.7M
97
97th pctile
Total Loans
Current: $345.9M · Tier avg: $139.2M