Liberty Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.65% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.65% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.66% +7.16 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $1.23B | 1,228,402 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.99B | 8,994,960 | RCOAA223 |
| Recomputed ratio | 13.66% | numerator / denominator | |
| Filed ratio | 13.66% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.16 pp | $643.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.66% +5.66 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $1.23B | 1,228,402 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.99B | 8,994,960 | RCOAA223 |
| Recomputed ratio | 13.66% | numerator / denominator | |
| Filed ratio | 13.66% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.66 pp | $508.8M | capital that could be lost first |
Total risk-based capital ratio 14.65% +4.65 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.32B | 1,317,795 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.99B | 8,994,960 | RCOAA223 |
| Recomputed ratio | 14.65% | numerator / denominator | |
| Filed ratio | 14.65% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.65 pp | $418.3M | capital that could be lost first |
Tier 1 leverage ratio 13.37% +8.37 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $1.23B | 1,228,402 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.19B | 9,187,990 | RCOAA224 |
| Recomputed ratio | 13.37% | numerator / denominator | |
| Filed ratio | 13.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.37 pp | $769.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 6,926 | RCOAP742 |
| Retained earnings | 1,288,675 | 1,235,332 | 1,229,558 | 1,214,210 | 1,179,141 | 1,139,061 | RCOAKW00 |
| Accumulated other comprehensive income | (61,202) | (60,667) | (56,944) | (55,017) | (60,340) | (63,087) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,227,473 | 1,174,665 | 1,172,614 | 1,159,193 | 1,118,801 | 1,082,900 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 929 | 270 | (3,578) | (6,732) | (1,587) | 983 | P859 - P840 |
| Common equity Tier 1 capital | 1,228,402 | 1,174,935 | 1,169,036 | 1,152,461 | 1,117,214 | 1,083,883 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,228,402 | 1,174,935 | 1,169,036 | 1,152,461 | 1,117,214 | 1,083,883 | RCOA8274 |
| Tier 2 capital | 89,393 | 87,888 | 87,630 | 83,737 | 80,033 | 77,031 | RCOA5311 |
| Allowance includable in Tier 2 capital | 89,393 | 87,888 | 87,630 | 83,737 | 80,033 | 77,031 | RCOA5310 |
| Total capital | 1,317,795 | 1,262,823 | 1,256,666 | 1,236,198 | 1,197,247 | 1,160,914 | RCOA3792 |
| Total risk-weighted assets | 8,994,960 | 8,582,475 | 8,584,940 | 8,272,805 | 8,047,116 | 7,713,185 | RCOAA223 |
| Average total assets for the leverage ratio | 9,187,990 | 9,006,680 | 8,750,714 | 8,567,156 | 8,282,489 | 8,145,987 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $208.8M | $18.9M | 9.05% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.48B | $1.46B | 98.70% | 16.20% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.94B | $970.1M | 50.10% | 10.79% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $74.6M | $111.8M | 150.00% | 1.24% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $17.6M | $26.4M | 150.00% | 0.29% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $5.31B | $5.31B | 99.98% | 59.02% | RC-R Part II, item 4.d, 5.d |
| All other assets | $225.3M | $199.5M | 88.56% | 2.22% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.11B | $758.5M | 68.19% | 8.43% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $33.2M | $9.4M | 28.41% | 0.10% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $134.5M | NA | 1.50% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $8.86B | ties to item 31 ($8.86B) |
|---|---|---|
| Risk-weighted assets before deductions | $8.99B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $8.99B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.69% | 13.69% | 14.71% | 13.05% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.62% | 13.62% | 14.64% | 13.36% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.93% | 13.93% | 14.94% | 13.45% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.88% | 13.88% | 14.88% | 13.49% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.05% | 14.05% | 15.05% | 13.31% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.21% | 14.21% | 15.17% | 13.61% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.81% | 13.81% | 14.71% | 13.66% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.88% | 13.88% | 14.79% | 13.68% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.94% | 13.94% | 15.06% | 13.66% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.62% | 13.62% | 14.58% | 13.50% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.75% | 13.75% | 14.97% | 13.60% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Liberty Bank (this bank) | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% | |
| Amalgamated Bank | $9.41B | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% |
| 1st Source Bank | $9.26B | Risk-based | 14.84% | 15.36% | 16.62% | 13.72% |
| Lake Forest Bank & Trust Company, N.A. | $9.25B | Risk-based | 11.16% | 11.16% | 12.02% | 9.93% |
| Union Bank and Trust Company | $9.24B | Risk-based | 12.70% | 12.71% | 13.96% | 10.65% |
| First American Trust, FSB | $9.23B | Risk-based | 33.45% | 33.45% | 33.45% | 7.89% |
| Peoples Bank | $9.53B | Risk-based | 12.30% | 12.30% | 13.40% | 9.70% |
| The Bancorp Bank N.A. | $9.21B | Risk-based | 14.27% | 14.27% | 15.32% | 9.09% |
| Wintrust Bank, N.A. | $9.57B | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% |
| Pinnacle Bank | $9.18B | Risk-based | 12.35% | 12.35% | 13.48% | 9.92% |
| RBC Bank (Georgia), N.A. | $9.59B | Risk-based | 48.11% | 48.11% | 49.16% | 10.42% |
| Peer 25th percentile | 12.32% | 12.32% | 13.42% | 9.63% | ||
| Peer median | 13.48% | 13.49% | 14.64% | 9.93% | ||
| Peer 75th percentile | 14.82% | 15.21% | 16.45% | 10.59% | ||
| This bank's percentile | 50 | 50 | 50 | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/587800/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.