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 Risk-weighted assets: 7.8% higher than in Q1 2026, at $150.7M. Liberty Bank ranks 13th of 21 Washington banks on CET1 ratio, in the lower half at 12.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Liberty Bank sits 2.66 points lower, at 12.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.29% |
| Tier 1 leverage ratio | 9.35% |
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 | $18.7M |
| Tier 1 capital | $18.7M |
| Total risk-based capital | $20.0M |
| Total equity capital | $17.9M |
| Risk-weighted assets | $150.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.70% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 8.96% |
| Internal capital growth rate | 5.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $18.8M |
| Retained earnings | -$140K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$774K |
| 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 | 14.46% | 14.46% | 15.48% | 9.63% | $120.6M |
| Q4 2023 | 14.14% | 14.14% | 15.07% | 9.56% | $124.0M |
| Q1 2024 | 14.36% | 14.36% | 15.29% | 9.61% | $122.6M |
| Q2 2024 | 14.23% | 14.23% | 15.26% | 9.86% | $124.7M |
| Q3 2024 | 15.00% | 15.00% | 15.97% | 10.23% | $122.0M |
| Q4 2024 | 14.87% | 14.87% | 15.81% | 9.98% | $123.5M |
| Q1 2025 | 13.63% | 13.63% | 14.55% | 9.60% | $133.3M |
| Q2 2025 | 13.52% | 13.52% | 14.45% | 9.40% | $137.1M |
| Q3 2025 | 12.63% | 12.63% | 13.58% | 9.22% | $141.3M |
| Q4 2025 | 13.14% | 13.14% | 14.10% | 9.10% | $138.8M |
| Q1 2026 | 13.19% | 13.19% | 14.14% | 9.33% | $139.8M |
| Q2 2026 | 12.41% | 12.41% | 13.29% | 9.35% | $150.7M |
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 58778) · FFIEC NIC profile (RSSD 3943210)