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Liberty Bank N.A.

Irvine, CA · Cert 35331 · DMG Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank N.A.

Irvine, CA · Cert 35331 · DMG Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$399.2MAssets
$329.4MLoans
$336.3MDeposits
$57.1MEquity
Loan mix
99%RE $332.8M1%C&I $4.1M0%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $258.3M23%Noninterest $78.0MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #85 of 107 inst. · $0.2B of $667.8B

0.1% Orange
1.3% Santa Cruz
0.1% San Mateo

Executive Summary

  • Earnings: ROA of -0.44%, up 97 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.44%, up 86 bps from a year ago.
  • Funding: loans stand at 97.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.44%+97 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+71 bps YoY

Efficiency Ratio (YTD, annualized)

110.84%-4,016 bps YoY

Tier 1 Leverage Ratio

14.44%+86 bps YoY

NIM

4.86%Q2 ’245.04%Q2 ’255.26%Q2 ’26+47%+26%

Non-interest income vs. expense

3.76%Q2 ’244.33%Q2 ’254.02%Q2 ’26+30%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.83%-1.67%-1.43%-1.41%-1.47%-1.25%-0.37%-0.44%+97 bps
Return on Equity-6.34%-12.78%-10.57%-10.31%-10.66%-9.19%-2.65%-3.15%+715 bps
Net Interest Margin1.90%2.07%2.34%2.70%2.83%2.97%3.20%3.41%+71 bps
Efficiency Ratio168.25%166.93%152.97%151.01%149.76%140.66%110.08%110.84%-4,016 bps
Non-Interest Burden3.53%3.77%3.73%4.24%4.40%4.33%3.64%3.91%-32 bps
Growth
Asset Growth (YoY)-7.66%-14.38%-19.05%-20.80%-17.69%-7.69%-10.99%-6.88%+1,392 bps
Loan Growth (YoY)-1.46%-11.09%-15.13%-15.61%-16.94%-15.87%-13.28%-12.65%+296 bps
Deposit Growth (YoY)-6.70%-10.40%-19.65%-29.48%-21.28%-5.45%-11.64%2.63%+3,211 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.05%0.01%0.01%0.03%0.02%0.00%-0.01%-2 bps
Allowance / Loans0.97%1.02%1.08%1.09%1.11%1.16%1.17%1.20%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/a808.6xn/a790.2xn/a
Capital
Tier 1 Leverage Ratio12.30%12.23%12.67%13.58%13.43%13.60%13.42%14.44%+86 bps
Total Risk-Based Capital17.81%18.07%19.03%19.39%19.18%19.78%20.46%20.63%+125 bps
Equity / Assets13.69%13.19%13.84%14.02%14.16%13.12%14.52%14.29%+27 bps
Liquidity & Funding
Loans / Deposits102.92%103.22%102.15%115.09%108.60%91.84%100.26%97.95%-1,713 bps
Liquid Assets / Assets6.91%8.03%7.19%6.92%5.96%15.38%9.30%12.41%+549 bps
CRE / Total Capitaln/an/an/an/a598%578%558%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank N.A.

Irvine, CA · Cert 35331 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · DMG Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$399.2MAssets
$329.4MLoans
$336.3MDeposits
$57.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 75% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 7 of 28).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 28 of 28).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.45%

Rank 26 of 28

Net Interest Margin

3.41%

Rank 19 of 28

Efficiency Ratio

114.98%

Rank 28 of 28

Equity / Assets

14.29%

Rank 17 of 28

Non-interest income vs. expense

$0.4M$15.5MINCOMEEXPENSE
Unfavorable gap of $15.0M · efficiency ratio beats 4% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 114.98%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.45%0.39%0.81%1.45%Beats 7%26 / 28
Return on Equity-3.18%2.58%5.09%9.10%Beats 7%26 / 28
Net Interest Margin3.41%3.22%3.68%4.12%Beats 32%19 / 28
Efficiency Ratio114.98%56.77%70.25%85.37%Beats 4%28 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 67%10 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 37%18 / 27
Capital
Tier 1 Capital Ratio19.38%13.70%16.46%19.75%Beats 71%8 / 28
Total Risk-Based Capital Ratio20.63%14.96%17.60%20.63%Beats 75%7 / 28
Equity / Assets14.29%11.97%15.41%17.42%Beats 39%17 / 28
Liquidity & Funding
Loans / Deposits97.95%84.00%97.95%102.47%50th pctl14 / 28
Loans / Assets82.51%69.18%76.59%81.19%82nd pctl5 / 28
Brokered Deposits / Depositsn/aNot reported for this institution