Liberty Bank for Savings: 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%.
Total risk-based capital ratio rose 0.56 percentage points from Q1 2026 to Q2 2026, ending at 61.63% against 61.07%. It was the largest change among the key lines on this page. Among 198 Illinois banks, Liberty Bank for Savings sits 4th from the top on CET1 ratio, 60.82% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, Liberty Bank for Savings reported 60.82% on CET1 ratio in Q2 2026, 45.75 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 60.82% |
| Tier 1 risk-based capital ratio | 60.82% |
| Total risk-based capital ratio | 61.63% |
| Tier 1 leverage ratio | 24.01% |
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 | $211.0M |
| Tier 1 capital | $211.0M |
| Total risk-based capital | $213.8M |
| Total equity capital | $203.2M |
| Risk-weighted assets | $346.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.39% |
| Tangible equity to tangible assets | 23.39% |
| Equity capital to average assets | 23.13% |
| Internal capital growth rate | 1.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $211.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.8M |
| 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 | 51.90% | 51.90% | 52.66% | 23.10% | $397.2M |
| Q4 2023 | 51.44% | 51.44% | 52.20% | 23.46% | $400.9M |
| Q1 2024 | 51.68% | 51.68% | 52.43% | 23.47% | $399.4M |
| Q2 2024 | 50.40% | 50.40% | 51.13% | 23.55% | $409.7M |
| Q3 2024 | 50.23% | 50.23% | 50.96% | 23.55% | $411.2M |
| Q4 2024 | 49.89% | 49.89% | 50.62% | 23.55% | $414.3M |
| Q1 2025 | 50.16% | 50.16% | 50.91% | 23.43% | $412.6M |
| Q2 2025 | 50.75% | 50.75% | 51.52% | 23.75% | $409.1M |
| Q3 2025 | 51.04% | 51.04% | 51.79% | 23.68% | $408.0M |
| Q4 2025 | 58.71% | 58.71% | 59.50% | 23.84% | $356.4M |
| Q1 2026 | 60.27% | 60.27% | 61.07% | 24.09% | $348.7M |
| Q2 2026 | 60.82% | 60.82% | 61.63% | 24.01% | $346.9M |
Liberty Bank for Savings regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank for Savings, 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 for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29009) · FFIEC NIC profile (RSSD 757377)