Liberty Bank National Assn
Irvine, California · FDIC Cert #35331
Liberty Bank National Assn is an FDIC-insured bank (Certificate #35331) with $541M in total assets and $465M in total deposits as of the Q2 2024 Call Report. Headquartered in Irvine, California, the bank maintains a Tier 1 capital ratio of 16.88% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Liberty Bank National Assn (FDIC cert 35331) is a community bank — $541M in total assets, $465M in deposits, serving the Irvine, California area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 16.88% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 14.7% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is negative: ROA of -1.12% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Liberty Bank National Assn carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Liberty Bank National Assn
- Total Assets
- $541M
- Total Deposits
- $465M
- Tier 1 Capital Ratio
- 16.88%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 14.70%
- Return on Assets
- -1.12%
- Headquarters
- Irvine, California
- FDIC Certificate
- #35331
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Liberty Bank National Assn holds a Tier 1 capital ratio of 16.88%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Liberty Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Liberty Bank National Assn shows strong financial health indicators. With $541M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Liberty Bank National Assn Compares
Liberty Bank National Assn’s Health Score of 75 is 3 points above the California state average of 72 across 123 FDIC-insured banks. Its 16.88% Tier 1 capital ratio is 2.9 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -1.12% is below the national ROA benchmark of ~1.1%. Among 1418 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Liberty Bank National Assn is 5 points above the portfolio average of 70.
Frequently Asked Questions
Liberty Bank National Assn has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 16.88%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Liberty Bank National Assn's Tier 1 capital ratio of 16.88% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Liberty Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35331). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Liberty Bank National Assn holds $541M in total assets and $465M in total deposits. It is headquartered in Irvine, California (FDIC Certificate #35331).
Liberty Bank National Assn has a Tier 1 capital ratio of 16.88%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is -1.12%.
Yes. Liberty Bank National Assn is FDIC-insured (Certificate #35331). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Liberty Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.