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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 $0.3MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $258.3M23%Noninterest $78.0MQ2 2025Q2 2026

NIM

4.94%Q2 ’244.92%Q2 ’255.09%Q2 ’26+54%+19%

Non-interest income vs. expense

3.92%Q2 ’244.47%Q2 ’253.99%Q2 ’26+47%-11%

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 -0.53%, up 87 bps year over year; NIM at 3.35%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

-0.53%+87 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+52 bps YoY

Efficiency Ratio (quarter, annualized)

111.63%-3,758 bps YoY

Tier 1 Leverage Ratio

14.44%+86 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.40%-1.61%-0.63%-0.37%-0.53%+87 bps
Return on Equity-10.03%-11.41%-4.62%-2.65%-3.66%+637 bps
Net Interest Margin2.83%3.02%3.18%3.20%3.35%+52 bps
Efficiency Ratio149.21%147.49%115.74%110.08%111.63%-3,758 bps
Non-Interest Burden4.38%4.60%3.81%3.64%3.88%-50 bps
Growth
Asset Growth (YoY)-20.80%-17.69%-7.69%-10.99%-6.88%+1,392 bps
Loan Growth (YoY)-15.61%-16.94%-15.87%-13.28%-12.65%+296 bps
Deposit Growth (YoY)-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 bps
Net Charge-Offs / Loans0.01%0.06%0.01%0.00%-0.01%-2 bps
Allowance / Loans1.09%1.11%1.16%1.17%1.20%+11 bps
Allowance Coverage of NPLsn/an/a808.6xn/a790.2xn/a
Capital
Tier 1 Leverage Ratio13.58%13.43%13.60%13.42%14.44%+86 bps
Total Risk-Based Capital19.39%19.18%19.78%20.46%20.63%+125 bps
Equity / Assets14.02%14.16%13.12%14.52%14.29%+27 bps
Liquidity & Funding
Loans / Deposits115.09%108.60%91.84%100.26%97.95%-1,713 bps
Liquid Assets / Assets6.92%5.96%15.38%9.30%12.41%+549 bps
CRE / Total Capitaln/a598%578%558%n/an/a