D
Liberty Bank, N.A.
IrvineCA
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
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Assets
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Assets
Capital
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Income
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.0 and a capital leverage ratio of 12.7. A current level of 0.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (7.0).
Asset Mix: Comm re (36%), cash (8%), home mtgs (5%), securities (2%), comm loans (1%), consumer loans (0%), other (48%)
States with Branches: CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
DMG Bancshares, Inc.
Investment Rating
--
Address
2 Park Plaza
Irvine, CA 92614
Phone Number
(800) 735-2465
Year Founded
2001
FDIC Number
Largest Affiliates
No affiliate information available.