Liberty Bank National Assn (FDIC #35331): Bank Stress & Real-Estate Credit Exposure
Liberty Bank National Assn (FDIC Cert #35331): bank stress 74/100, elevated, STABLE over 7 days; parent DMG BANCSHARES INC.
Liberty Bank National Assn (#35331) lends in 3 counties across 1 state; Liberty Bank National Assn (#35331) reaches 140 ZIP codes: California 3 counties, 140 ZIPs.
Liberty Bank National Assn (#35331) largest markets: Orange County, CA (92 branches, 92 ZIPs) (#35331), San Mateo County, CA (31 branches, 31 ZIPs) (#35331), Santa Cruz County, CA (34 branches, 17 ZIPs) (#35331).
Liberty Bank National Assn (#35331) reports $399.2 million in total assets; Liberty Bank National Assn (#35331) equity $57.1 million (14.3% of Liberty Bank National Assn (#35331) assets); Liberty Bank National Assn (#35331) domestic deposits $336.3 million; Liberty Bank National Assn (#35331) net income minus $907,000; Liberty Bank National Assn (#35331) return on assets -0.44%; Liberty Bank National Assn (#35331) return on equity -3.15%; Liberty Bank National Assn (#35331) net interest income $6.5 million; Liberty Bank National Assn (#35331) call report June 30, 2026.
Liberty Bank National Assn (#35331) noncurrent real-estate loans: none reported; Liberty Bank National Assn (#35331) net charge-offs on real estate 0.00%.
Liberty Bank National Assn (#35331) net interest margin 3.31% against an eight-quarter Liberty Bank National Assn (#35331) average of 2.69% (Liberty Bank National Assn (#35331) compression -0.62 points); Liberty Bank National Assn (#35331) rate-exposure score 40/100, Liberty Bank National Assn (#35331) fixed-rate trap 40/100; Liberty Bank National Assn (#35331) risk type credit driven; Liberty Bank National Assn (#35331) rate regime rates elevated, Liberty Bank National Assn (#35331) snapshot October 20, 2026.
Liberty Bank National Assn (#35331) stress score moved from 72.6 on June 22, 2026 to 74.2 on October 20, 2026; Liberty Bank National Assn (#35331) ranged 72.6 to 74.2 over 117 snapshots.
Liberty Bank National Assn (#35331) alerts: 3 counties; top Liberty Bank National Assn (#35331) alert scores: Felton County, CA 24 (low); Irvine County, CA 24 (low); Millbrae County, CA 24 (low).