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 Risk-weighted assets, which rose 4.8% to $8.99B. Within Connecticut, Liberty Bank is 10th of 17 on CET1 ratio, 13.66% as of Q2 2026, below the middle of the field. At 13.66%, Liberty Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.66% |
| Tier 1 risk-based capital ratio | 13.66% |
| Total risk-based capital ratio | 14.65% |
| Tier 1 leverage ratio | 13.37% |
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 | $1.23B |
| Tier 1 capital | $1.23B |
| Total risk-based capital | $1.32B |
| Total equity capital | $1.23B |
| Risk-weighted assets | $8.99B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.09% |
| Tangible equity to tangible assets | 12.52% |
| Equity capital to average assets | 13.30% |
| Internal capital growth rate | 18.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $1.29B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$61.2M |
| 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 | 13.75% | 13.75% | 14.97% | 13.60% | $7.29B |
| Q4 2023 | 13.62% | 13.62% | 14.58% | 13.50% | $7.51B |
| Q1 2024 | 13.94% | 13.94% | 15.06% | 13.66% | $7.50B |
| Q2 2024 | 13.88% | 13.88% | 14.79% | 13.68% | $7.62B |
| Q3 2024 | 13.81% | 13.81% | 14.71% | 13.66% | $7.84B |
| Q4 2024 | 14.21% | 14.21% | 15.17% | 13.61% | $7.65B |
| Q1 2025 | 14.05% | 14.05% | 15.05% | 13.31% | $7.71B |
| Q2 2025 | 13.88% | 13.88% | 14.88% | 13.49% | $8.05B |
| Q3 2025 | 13.93% | 13.93% | 14.94% | 13.45% | $8.27B |
| Q4 2025 | 13.62% | 13.62% | 14.64% | 13.36% | $8.58B |
| Q1 2026 | 13.69% | 13.69% | 14.71% | 13.05% | $8.58B |
| Q2 2026 | 13.66% | 13.66% | 14.65% | 13.37% | $8.99B |
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 17943) · FFIEC NIC profile (RSSD 587800)