Liberty Bank and Trust Company: 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 Accumulated other comprehensive income, which fell 7.4% to -$11.8M. Within Louisiana, Liberty Bank and Trust Company is 28th of 46 on CET1 ratio, 15.43% as of Q2 2026, below the middle of the field. Liberty Bank and Trust Company reported 15.43% on CET1 ratio for Q2 2026, 1.96 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.43% |
| Tier 1 risk-based capital ratio | 19.25% |
| Total risk-based capital ratio | 20.36% |
| Tier 1 leverage ratio | 11.35% |
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 | $101.2M |
| Tier 1 capital | $126.2M |
| Total risk-based capital | $133.4M |
| Total equity capital | $125.1M |
| Risk-weighted assets | $655.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.08% |
| Tangible equity to tangible assets | 11.05% |
| Equity capital to average assets | 11.15% |
| Internal capital growth rate | 7.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $251K |
| Common stock surplus | $38.2M |
| Retained earnings | $73.5M |
| Preferred stock and surplus | $25.0M |
| Accumulated other comprehensive income | -$11.8M |
| 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 | 16.42% | 20.80% | 22.02% | 11.36% | $570.6M |
| Q4 2023 | 15.40% | 19.71% | 20.96% | 11.11% | $580.1M |
| Q1 2024 | 15.59% | 19.82% | 21.05% | 11.45% | $592.0M |
| Q2 2024 | 15.65% | 19.74% | 20.91% | 11.62% | $611.3M |
| Q3 2024 | 15.18% | 19.00% | 20.04% | 11.74% | $655.2M |
| Q4 2024 | 14.61% | 18.47% | 19.71% | 11.14% | $648.7M |
| Q1 2025 | 15.38% | 19.29% | 20.44% | 11.41% | $639.2M |
| Q2 2025 | 15.98% | 19.92% | 21.13% | 11.48% | $633.5M |
| Q3 2025 | 16.33% | 20.26% | 21.43% | 11.66% | $636.3M |
| Q4 2025 | 15.26% | 19.15% | 20.25% | 11.11% | $642.6M |
| Q1 2026 | 15.36% | 19.23% | 20.41% | 11.28% | $645.7M |
| Q2 2026 | 15.43% | 19.25% | 20.36% | 11.35% | $655.5M |
Liberty Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20856) · FFIEC NIC profile (RSSD 283438)