First Liberty Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 38.5% in Q2 2026, from -$2.2M to -$3.0M. It was the largest change from Q1 2026 among the key lines here. Within Texas, First Liberty Bank is 109th of 184 on CET1 ratio, 15.76% as of Q2 2026, below the middle of the field. First Liberty Bank reported 15.76% on CET1 ratio for Q2 2026, 0.69 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.76% |
| Tier 1 risk-based capital ratio | 15.76% |
| Total risk-based capital ratio | 16.98% |
| Tier 1 leverage ratio | 10.11% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $87.8M |
| Tier 1 capital | $87.8M |
| Total risk-based capital | $94.6M |
| Total equity capital | $99.3M |
| Risk-weighted assets | $557.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.37% |
| Tangible equity to tangible assets | 9.88% |
| Equity capital to average assets | 11.25% |
| Internal capital growth rate | 9.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $10.3M |
| Retained earnings | $90.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.00% | 14.00% | 15.17% | 9.66% | $324.6M |
| Q4 2023 | 13.95% | 13.95% | 15.14% | 9.44% | $325.9M |
| Q1 2024 | 14.42% | 14.42% | 15.61% | 9.56% | $322.2M |
| Q2 2024 | 15.12% | 15.12% | 16.34% | 9.69% | $315.9M |
| Q3 2024 | 16.07% | 16.07% | 17.28% | 9.79% | $306.0M |
| Q4 2024 | 15.72% | 15.72% | 16.91% | 10.09% | $310.7M |
| Q1 2025 | 17.71% | 17.71% | 18.61% | 10.56% | $432.8M |
| Q2 2025 | 17.19% | 17.19% | 18.17% | 9.50% | $457.5M |
| Q3 2025 | 15.94% | 15.94% | 17.06% | 9.82% | $502.7M |
| Q4 2025 | 15.90% | 15.90% | 17.13% | 10.26% | $522.8M |
| Q1 2026 | 15.87% | 15.87% | 17.10% | 9.68% | $537.4M |
| Q2 2026 | 15.76% | 15.76% | 16.98% | 10.11% | $557.4M |
First Liberty Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Liberty Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3301) · FFIEC NIC profile (RSSD 629353)