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"At its core, banking is not simply about profit, it's about personal relationships."        - Felix Rohatyn

Corporate Information

About Us
Liberty Bank Overview

Service is our specialty, experience is our strength.

For more than 35 years, Liberty Bank has had a singular focus -- providing quality, personalized services to the residents of the San Francisco Peninsula and the San Lorenzo Valley. Whether you're an individual, or the owner of a small or medium-sized business, we're committed to earning your trust as your business and financial partner and improving your neighborhood by actively participating in community affairs.

How do we do it? We set the bar high for community banking. Longevity. Strength. Security. We like to call it "banking from your side of the desk". And as your banking partner, we deliver the financial products and services you need -- with a high regard for security and convenience. Add to that our local, progressive decision making, and Liberty Bank is independent banking at its very best. Welcome to the community. Welcome to Liberty Bank.

Board of Directors
Board of Directors/Administrative Officers

Board of Directors

John M. Cullison
Chairman of the Board

Bruce K. Farrell
President & Chief Executive Officer

Thomas M. Amendola
Director, Executive Vice President & Chief Financial Officer, Corporate Secretary

John B. De Nault, III

Dr. Kenneth J. De Nault

Joel P. Michel

Stephanie Uccelli – Menner

Melani Clark

Robert E. Locatelli

Bodey De Nault

Wanda Alfaro

Administrative Officers

Bruce K. Farrell
President & Chief Executive Officer

Thomas M. Amendola
Director, Executive Vice President & Chief Financial Officer, Corporate Secretary

Paul Alexander
Executive Vice President & Chief Credit Officer

Kristin Ditlevsen
Senior Vice President & Managing Director of Business Development

Marshell Montgomery
Senior Vice President, Director of Compliance & Risk Management

Susan Campbell
Senior Vice President, Manager of Credit Administration

Darlene Miller
Vice President, HR Administrator

Racquel Gutierrez
Vice President, Controller

Jackie Mar
Vice President, Loan Operations Officer

Megan Wilson
Vice President, Manager of AML/BSA Compliance

Mike DiNicola
Assistant Vice President, IT Manager

Megan Wilson
Assistant Vice President, Assistant Compliance & BSA Officer

Lisa Young
Assistant Vice President, Executive Assistant

James Gerber
Assistant Vice President, Credit Underwriter

Ravinal Chandra
Central Operations Support Supervisor









South San Francisco Officers

Judy Anderson
Senior Vice President & Regional Manager

Richard Li
Vice President, Branch Manager

Paul Seto
Vice President, Commercial Loan Officer

Craig Johnson
Vice President, Commercial Loan Officer

Debra R. Watkins
Assistant Vice President & Business Development Officer

Boulder Creek Officers

Judy Anderson
Senior Vice President & Regional Manager

Noel Gay
Vice President & San Lorenzo Valley Relationship Manager

Karen Edwards
Assistant Vice President, Operations Officer

Reginia Klamner
Operations Manager

Felton Officers

Judy Anderson
Senior Vice President & Regional Manager

Bodhi Woodsorrel Galt
Assistant Vice President & Operations Officer







Statement of Condition
Statement of Condition

As of December 31, 2019


Liabilities & Capital

Cash & Due From Banks




Federal Funds Sold


Other Liabilities




Capital Stock


Loans, Net


Additional Paid-In Capital


Premises & Equipment, Net


Retained Earnings


Other Real Estate Owned


Unrealized Gain on AFS Securities


Other Assets


Total Capital






2018 Liberty Bancorp and Subsidiary Financial Statements

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