Total Assets
$442M
Total balance-sheet footings
FDIC Cert #35331 · Irvine, California · Est. 2001
Liberty Bank, National Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $442M
- Total assets
- C
- Health grade · Fair
- -1.25%
- Return on assets
- 18.5%
- Tier 1 capital
Data updated July 2026
The verdict
Liberty Bank, National Association earns a PlainBankData health grade of C (60/100), with well-capitalized at 18.53% Tier 1, -1.25% ROA, 141% efficiency ratio.
- #1,948
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 18.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Liberty Bank, National Association's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Liberty Bank, National Association's composite health score
Tier 1 Capital Ratio (18.53%) 40/40
Return on Assets (ROA) (-1.25%) 0/25
Texas Ratio (0.01%) 20/20
Efficiency Ratio (140.66%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$381M
Customer-funded liabilities
Net Loans
$346M
Outstanding loan book
Net Income
$-5,543K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Liberty Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Liberty Bank, National Association's score of 60/100 falls in the highlighted band.
Liberty Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Liberty Bank, National Association's $442M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.53%
Texas Ratio
0.01%
Equity Capital
$58M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.25%
Return on Equity (ROE)
-9.19%
Efficiency Ratio
140.66%
What the numbers say about Liberty Bank, National Association
Liberty Bank, National Association is an FDIC-insured institution (Certificate #35331) headquartered in Irvine, California, established in 2001. It holds $442M in total assets - 1,948th of 4,313 FDIC-insured banks, $381M in customer deposits, and $346M in net loans. On safety, its Tier 1 capital ratio of 18.53% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.01% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within California, Liberty Bank, National Association ranks 87th of 121 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$21M
Interest Income
$406K
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Liberty Bank, National Association reports a Texas Ratio of 0.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Liberty Bank, National Association
Liberty Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-5,543K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Liberty Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Liberty Bank, National Association (FDIC Cert #35331) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Liberty Bank, National Association's health grade?▼
Liberty Bank, National Association receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Liberty Bank, National Association?▼
Liberty Bank, National Association holds $442M in total assets and $381M in deposits, ranking 1,948th of 4,313 FDIC-insured banks by asset size. It is headquartered in Irvine, California.
Is my money safe at Liberty Bank, National Association?▼
Yes, deposits at Liberty Bank, National Association (Certificate #35331) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Liberty Bank, National Association's Tier 1 Capital Ratio?▼
Liberty Bank, National Association has a Tier 1 Capital Ratio of 18.53%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Liberty Bank, National Association?▼
Liberty Bank, National Association has a Texas Ratio of 0.01%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Liberty Bank, National Association?▼
Liberty Bank, National Association has an Efficiency Ratio of 140.66%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Liberty Bank, National Association's profile as a depositor or analyst.
- Liberty Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Liberty Bank, National Association against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.