Liberty Bank (CA)


Overview / Commentary
650-871-2400
500 Linden Avenue
South San Francisco, CA 94080

Liberty Bank (CA) is headquartered in IRVINE and is the 85th largest bank in the state of California. It is also the 1,642nd largest bank in the nation. It was established in 2001 and as of December of 2023, it had grown to 73 employees at 4 locations. Liberty Bank (CA) has a B health rating.

Reviews (1)

Liberty Bank Boulder Creek

I have banked with Liberty Bank in Boulder Creek for the last three years. Liberty Bank is a small, local bank with two locations in our area. Over the last three years there has been an incredible amount of turnover in employees. Just when I get to know one of the tellers they end up leaving. I would like to give this bank 5 stars because it is a local bank and I like to support local businesses, but customer service is mediocre at best. The managers seem to be knowledgeable about products and company policies, but all of the tellers are so new I often feel like no one that helps me really knows what is going on. They are kind and friendly, but each time I go in I have to expect my transaction to take at least 20 minutes to process. I have often thought of closing my account with this bank over the frustrations of waiting so long for my transaction to be completed. The friendly attitudes keep me coming back in. Hopefully someday soon they will be able to find employees willing to stay on and I will be able to give this bank a higher rating.



Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Liberty Bank (CA) has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #35331
Year Established2001
Employees73
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-2.01%
Return on Equity - YTD-14.27%
Annual Interest Income$26.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$559.2MM$552.5MM
LoansQ4 2023vs Q4 2022$461.8MM$465MM
DepositsQ4 2023vs Q4 2022$449.8MM$463.1MM
Equity CapitalQ4 2023vs Q4 2022$71.8MM$84.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$6MM$4.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$0$22K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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
Liberty Bank500 Linden AveSouth San Francisco, CA 94080
Felton Branch6230 Highway 9Felton, CA 95018
California First National Bank4 Executive CirIrvine, CA 92614

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