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Overview / Commentary
500 Linden Avenue
South San Francisco, CA 94080

Liberty Bank (CA) is headquartered in South San Franci and is the 129th largest bank in the state of California. It is also the 2,749th largest bank in the nation. It was established in 1982 and as of March of 2014, it had grown to 47 employees at 4 locations. Liberty Bank (CA) has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Liberty Bank (CA) had $3.62 million in non-current loans and owned real-estate with $32.85 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank (CA) a Texas Ratio of 11.03% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Liberty Bank (CA) experienced no significant changes from 11.34% as of March 31, 2013 to 11.03% as of March 31, 2014, resulting in a positive change of 2.71%.This indicates that the balance sheet and financial strength for Liberty Bank (CA) has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Liberty Bank (CA) has increased its total deposits by $5.61 million, resulting in 3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Liberty Bank (CA) has shown is above average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Liberty Bank (CA) has $229.54 million in assets with $32.85 million in equity, resulting in a capitalization level of 14.31%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #23754
Year Established1982
Employees47
Primary RegulatorFED
Assets and Liabilities
Assets$229.54 million
Loans$132.67 million
Deposits$192.72 million
Equity Capital$28.80 million
Loan Loss Allowance$4.05 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$988,000
Historic Data - March 2013
Assets$214.71 million
Equity Capital$27.03 million
Loan Loss Allowance$5.61 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$673,000
Profit Margin - Quarterly
Net Interest Margin3.38%
Return on Assets-0.06%
Return on Equity-0.46%
Interest Income$1.95 million
Rates

Sorry, we do not have rate data for Liberty Bank (CA)

Locations


Liberty Bank (CA) Locations
Boulder Creek Branch13233 Highway 9Boulder Creek, CA 95006
Palo Alto Branch251 Lytton Avenue, Suite 100Palo Alto, CA 94301
Liberty Bank500 Linden AvenueSouth San Francisco, CA 94080
Felton Branch6230 Highway 9Felton, CA 95018