OCC-chartered commercial bank headquartered in Irvine, California, serving businesses and individuals across Southern California and San Francisco Bay Area with full-service banking solutions.
Editorially reviewed by Harvey Brooks
Liberty Bank, N.A. is a $442 million OCC-chartered (federally regulated) commercial bank headquartered in Irvine, California. The bank was established to serve the financial needs of businesses, entrepreneurs, and individuals in Southern California markets spanning greater Orange and Los Angeles Counties, as well as the greater San Francisco Bay Area. The institution operates as a full-service commercial bank with a leadership team that includes experienced banking executives and board members with deep roots in California financial services.
Liberty Bank offers personal banking services, small business banking solutions, and lending products designed for everyday customers and entrepreneurs. The bank provides mobile banking apps for both iOS and Android platforms, enabling customers to transfer money, pay bills, deposit checks, and request funds remotely. Customers can access online banking and cash management tools, with dedicated customer support available Monday through Friday from 9:00 AM to 5:00 PM PST at (800) 735-2465. The bank maintains a routing number (122243130) for transaction processing and offers branch locations throughout its service areas.
Liberty Bank distinguishes itself through leadership continuity and specialized expertise. CEO and Chairman Don Griffith, along with President and COO Deborah Marsten, previously founded and led Grandpoint Capital and its subsidiary Grandpoint Bank, bringing operational stability and proven banking management. The board includes a retired FDIC executive with bank supervision experience, a retired bank executive with commercial credit expertise, and a real estate finance specialist with over 20 years of experience. This concentration of seasoned banking talent and regional focus differentiates the bank from larger national institutions.
Liberty Bank serves a specific geographic and customer niche—mid-market businesses and individuals in California's major metropolitan areas. As a $442 million bank, it operates at a scale larger than community banks but smaller than major national banks, positioning it for customers seeking personalized service with institutional stability. The primary caveat is geographic limitation; the bank only serves Southern California and San Francisco Bay Area markets, making it inaccessible to customers outside these regions.
Yes. Liberty Bank, National Association is a registered company headquartered in Irvine, CA, founded in 2001. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
Liberty Bank is best for California-based small business owners, entrepreneurs, and individuals in the Orange County, Los Angeles, or San Francisco Bay Area who value personalized service from an established commercial bank with experienced management. The main caveat is strict geographic limitation—this bank only operates in specific California markets and is not accessible to customers outside Southern California or the Bay Area.
Better Debt Solutions offers debt consolidation and credit counseling services to help consumers manage unsecured debt through relief programs.
Best for: Consumers with $7,500-$100,000+ in unsecured debt seeking debt consolidation options, Individuals preferring online application processes with quick enrollment timelines
Americor is a FinTech debt relief company offering debt settlement and consolidation services to help consumers reduce unsecured debt by up to 50% in 24-48 months.
Best for: Consumers with $7,500+ in unsecured debt (credit cards, personal loans, medical bills) struggling with multiple monthly payments, Those unable to qualify for traditional debt consolidation loans who want to avoid bankruptcy
Credit9 is a personal loan lender offering debt consolidation loans to help consumers pay off credit card debt and other obligations with fast approvals and next-day funding.
Best for: Consumers with multiple credit card balances seeking to consolidate into a single monthly payment, Borrowers with decent credit who qualify for personal loans and want fast funding without lengthy approval processes
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Liberty Bank, National Association and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.