Liberty Bank, National Association: how it compares with its peers
Against 34 CA banks with half to twice its assets, Liberty Bank, National Association's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $8.6M peer median). Its weakest relative measure is efficiency ratio (110.84% vs. 68.30%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.44% | 0.84% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 3.77% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 110.84% | 68.30% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $8.6M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.78% | 94.06% | Context |
What it means for lending operations
Its efficiency ratio of 110.84% is above the 68.30% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community Bank of Santa Maria Santa Maria, CA · $397M
- Balboa Thrift and Loan Association Chula Vista, CA · $394M
- Universal Bank West Covina, CA · $388M
- American Continental Bank City Of Industry, CA · $385M
- Community Commerce Bank Claremont, CA · $423M
- Infinity Bank Santa Ana, CA · $360M
Questions about Liberty Bank, National Association
How big is Liberty Bank, National Association?
Liberty Bank, National Association, established in 2001, is headquartered in Irvine, CA. It reported $399M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Liberty Bank, National Association's return on assets?
-0.44% annualized in Q2 2026, against a 0.84% median for 34 CA banks with half to twice its assets, ahead of 12% of them.
What is Liberty Bank, National Association's efficiency ratio?
110.84% in Q2 2026: it spent about 111 cents in noninterest expense for each dollar of revenue. The peer median is 68.30%, and lower is better.
Is Liberty Bank, National Association growing its loans?
Net loans shrank 12.7% over the year to Q2 2026, while deposits grew 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.