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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 12.1% lower than in Q1 2026, at -$1.2M. First Liberty Bank ranks 53rd of 71 Oklahoma banks on CET1 ratio, in the lower half at 12.93% (Q2 2026). First Liberty Bank reported 12.93% on CET1 ratio for Q2 2026, 2.14 points below 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 | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 11.82% |
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 | $99.0M |
| Tier 1 capital | $99.0M |
| Total risk-based capital | $108.6M |
| Total equity capital | $97.8M |
| Risk-weighted assets | $765.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.05% |
| Tangible equity to tangible assets | 11.05% |
| Equity capital to average assets | 11.67% |
| Internal capital growth rate | 7.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $52.7M |
| Retained earnings | $46.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 10.69% | 10.69% | 11.94% | 10.44% | $628.6M |
| Q4 2023 | 10.77% | 10.77% | 12.02% | 9.89% | $633.7M |
| Q1 2024 | 13.37% | 13.37% | 14.62% | 12.41% | $652.4M |
| Q2 2024 | 13.50% | 13.50% | 14.75% | 12.34% | $656.0M |
| Q3 2024 | 13.14% | 13.14% | 14.39% | 12.34% | $684.9M |
| Q4 2024 | 13.05% | 13.05% | 14.31% | 11.73% | $698.1M |
| Q1 2025 | 12.81% | 12.81% | 14.06% | 11.79% | $721.7M |
| Q2 2025 | 12.87% | 12.87% | 14.12% | 11.67% | $734.4M |
| Q3 2025 | 13.25% | 13.25% | 14.50% | 11.47% | $727.2M |
| Q4 2025 | 13.02% | 13.02% | 14.28% | 11.37% | $738.7M |
| Q1 2026 | 13.11% | 13.11% | 14.36% | 11.47% | $742.2M |
| Q2 2026 | 12.93% | 12.93% | 14.18% | 11.82% | $765.9M |
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 14029) · FFIEC NIC profile (RSSD 898850)