Liberty Bank for Savings: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 53.63% (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: 53.63% (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 60.82% +54.32 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 | $211.0M | 210,974 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $346.9M | 346,874 | RCOAA223 |
| Recomputed ratio | 60.82% | numerator / denominator | |
| Filed ratio | 60.82% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +54.32 pp | $188.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 60.82% +52.82 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 | $211.0M | 210,974 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $346.9M | 346,874 | RCOAA223 |
| Recomputed ratio | 60.82% | numerator / denominator | |
| Filed ratio | 60.82% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +52.82 pp | $183.2M | capital that could be lost first |
Total risk-based capital ratio 61.63% +51.63 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 | $213.8M | 213,781 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $346.9M | 346,874 | RCOAA223 |
| Recomputed ratio | 61.63% | numerator / denominator | |
| Filed ratio | 61.63% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +51.63 pp | $179.1M | capital that could be lost first |
Tier 1 leverage ratio 24.01% +19.01 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 | $211.0M | 210,974 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $878.6M | 878,554 | RCOAA224 |
| Recomputed ratio | 24.01% | numerator / denominator | |
| Filed ratio | 24.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +19.01 pp | $167.0M | 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 | 0 | RCOAP742 |
| Retained earnings | 210,974 | 210,148 | 209,212 | 208,262 | 207,652 | 206,955 | RCOAKW00 |
| Accumulated other comprehensive income | (7,786) | (7,664) | (6,378) | (7,533) | (9,272) | (11,154) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 203,188 | 202,484 | 202,834 | 200,729 | 198,380 | 195,801 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,786 | 7,664 | 6,378 | 7,533 | 9,272 | 11,154 | P859 - P840 |
| Common equity Tier 1 capital | 210,974 | 210,148 | 209,212 | 208,262 | 207,652 | 206,955 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 210,974 | 210,148 | 209,212 | 208,262 | 207,652 | 206,955 | RCOA8274 |
| Tier 2 capital | 2,807 | 2,806 | 2,806 | 3,062 | 3,114 | 3,114 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,807 | 2,806 | 2,806 | 3,062 | 3,114 | 3,114 | RCOA5310 |
| Total capital | 213,781 | 212,954 | 212,018 | 211,324 | 210,766 | 210,069 | RCOA3792 |
| Total risk-weighted assets | 346,874 | 348,685 | 356,351 | 408,012 | 409,135 | 412,616 | RCOAA223 |
| Average total assets for the leverage ratio | 878,554 | 872,312 | 877,419 | 879,628 | 874,218 | 883,370 | 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 | $3.0M | $109K | 3.58% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $307.4M | $37.3M | 12.13% | 10.75% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $6.5M | $1.3M | 20.00% | 0.37% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $541.0M | $280.9M | 51.92% | 80.98% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $1.6M | $1.6M | 100.00% | 0.45% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.0M | $25.3M | 97.32% | 7.30% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $856K | $409K | 47.79% | 0.12% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $346.9M | ties to item 31 ($346.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $346.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $346.9M | 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 | 60.82% | 60.82% | 61.63% | 24.01% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 60.27% | 60.27% | 61.07% | 24.09% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 58.71% | 58.71% | 59.50% | 23.84% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 51.04% | 51.04% | 51.79% | 23.68% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 50.75% | 50.75% | 51.52% | 23.75% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 50.16% | 50.16% | 50.91% | 23.43% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 49.89% | 49.89% | 50.62% | 23.55% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 50.23% | 50.23% | 50.96% | 23.55% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 50.40% | 50.40% | 51.13% | 23.55% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 51.68% | 51.68% | 52.43% | 23.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 51.44% | 51.44% | 52.20% | 23.46% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 51.90% | 51.90% | 52.66% | 23.10% | 14.65% | 14.67% | 15.79% | 10.60% |
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 for Savings (this bank) | Risk-based | 60.82% | 60.82% | 61.63% | 24.01% | |
| Resource Bank, N.A. | $868.6M | Risk-based | 13.46% | 13.46% | 14.55% | 8.52% |
| Bayvanguard Bank | $868.7M | Risk-based | 22.40% | 22.40% | 23.34% | 17.13% |
| Fieldpoint Private Bank & Trust | $867.1M | Risk-based | 10.09% | 10.09% | 11.18% | 6.62% |
| Blue Ridge Bank and Trust Co. | $866.6M | Risk-based | 11.62% | 11.62% | 12.87% | 10.03% |
| Hawaii National Bank | $871.7M | Risk-based | 17.74% | 17.74% | 18.99% | 11.02% |
| Unified Bank | $871.7M | Risk-based | 12.53% | 12.53% | 13.22% | 8.99% |
| Bogota Savings Bank | $871.8M | CBLR | NA | NA | NA | 15.54% |
| Farmers & Merchants Union Bank | $872.1M | CBLR | NA | NA | NA | 9.97% |
| Falcon National Bank | $872.3M | CBLR | NA | NA | NA | 10.24% |
| Legacy Bank | $865.0M | Risk-based | 11.30% | 11.30% | 12.49% | 10.55% |
| Peer 25th percentile | 11.46% | 11.46% | 12.68% | 9.23% | ||
| Peer median | 12.53% | 12.53% | 13.22% | 10.13% | ||
| Peer 75th percentile | 15.60% | 15.60% | 16.77% | 10.90% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/757377/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.