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

Unfavorable gap of $15.0M · efficiency ratio beats 4% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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 Margin	3.41%	3.22%	3.68%	4.12%	Beats 32%	19 / 28
Efficiency Ratio	114.98%	56.77%	70.25%	85.37%	Beats 4%	28 / 28
Asset Quality
Nonperforming Loans / Loans	0.00%	n/a	0.26%	1.61%	Beats 67%	10 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 37%	18 / 27
Capital
Tier 1 Capital Ratio	19.38%	13.70%	16.46%	19.75%	Beats 71%	8 / 28
Total Risk-Based Capital Ratio	20.63%	14.96%	17.60%	20.63%	Beats 75%	7 / 28
Equity / Assets	14.29%	11.97%	15.41%	17.42%	Beats 39%	17 / 28
Liquidity & Funding
Loans / Deposits	97.95%	84.00%	97.95%	102.47%	50th pctl	14 / 28
Loans / Assets	82.51%	69.18%	76.59%	81.19%	82nd pctl	5 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution