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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.3% to $18.1M. Within Illinois, Liberty Bank is 42nd of 198 on CET1 ratio, 20.76% as of Q2 2026, above the middle of the field. Liberty Bank reported 20.76% on CET1 ratio for Q2 2026, 5.69 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 | 20.76% |
| Tier 1 risk-based capital ratio | 20.76% |
| Total risk-based capital ratio | 21.60% |
| Tier 1 leverage ratio | 12.21% |
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 | $23.7M |
| Tier 1 capital | $23.7M |
| Total risk-based capital | $24.6M |
| Total equity capital | $24.6M |
| Risk-weighted assets | $114.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.67% |
| Tangible equity to tangible assets | 11.89% |
| Equity capital to average assets | 12.56% |
| Internal capital growth rate | 9.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $112K |
| Common stock surplus | $7.1M |
| Retained earnings | $18.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$826K |
| 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 | 19.40% | 19.40% | 20.14% | 13.28% | $86.7M |
| Q4 2023 | 16.14% | 16.14% | 16.88% | 11.13% | $87.8M |
| Q1 2024 | 16.96% | 16.96% | 17.73% | 11.69% | $85.9M |
| Q2 2024 | 17.48% | 17.48% | 18.26% | 11.98% | $85.3M |
| Q3 2024 | 17.85% | 17.85% | 18.64% | 12.11% | $85.0M |
| Q4 2024 | 18.01% | 18.01% | 18.82% | 11.63% | $85.1M |
| Q1 2025 | 17.96% | 17.96% | 18.76% | 11.69% | $87.4M |
| Q2 2025 | 18.55% | 18.55% | 19.40% | 15.33% | $116.2M |
| Q3 2025 | 19.94% | 19.94% | 20.81% | 12.20% | $111.9M |
| Q4 2025 | 19.70% | 19.70% | 20.55% | 11.83% | $114.0M |
| Q1 2026 | 20.71% | 20.71% | 21.58% | 12.08% | $111.2M |
| Q2 2026 | 20.76% | 20.76% | 21.60% | 12.21% | $114.0M |
Liberty Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11719) · FFIEC NIC profile (RSSD 371942)