Liberty Bank, Inc.: 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 standout move of Q2 2026 was in Common equity Tier 1 ratio: 28.72 percentage points lower than in Q1 2026, at 73.51%. Among 28 Utah banks, Liberty Bank, Inc. sits 3rd from the top on CET1 ratio, 73.51% as of Q2 2026. Liberty Bank, Inc.'s CET1 ratio of 73.51% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 53.94 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 73.51% |
| Tier 1 risk-based capital ratio | 73.51% |
| Total risk-based capital ratio | 73.51% |
| Tier 1 leverage ratio | 27.81% |
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 | $3.1M |
| Tier 1 capital | $3.1M |
| Total risk-based capital | $3.1M |
| Total equity capital | $3.9M |
| Risk-weighted assets | $4.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 34.45% |
| Tangible equity to tangible assets | 34.45% |
| Equity capital to average assets | 32.87% |
| Internal capital growth rate | -40.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.3M |
| Common stock surplus | $7.6M |
| Retained earnings | -$6.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 12.27% | 12.27% | 13.54% | 9.36% | $8.7M |
| Q4 2023 | 7.26% | 7.26% | 8.52% | 4.92% | $8.5M |
| Q1 2024 | 5.06% | 5.06% | 6.33% | 3.44% | $8.4M |
| Q2 2024 | 20.17% | 20.17% | 21.44% | 13.79% | $8.3M |
| Q3 2024 | 69.76% | 69.76% | 69.76% | 15.74% | $2.5M |
| Q4 2024 | 69.05% | 69.05% | 69.05% | 23.39% | $3.3M |
| Q1 2025 | — | — | — | 35.34% | — |
| Q2 2025 | — | — | — | 27.27% | — |
| Q3 2025 | — | — | — | 28.53% | — |
| Q4 2025 | — | — | — | 31.02% | — |
| Q1 2026 | 102.22% | 102.22% | 102.22% | 29.61% | $3.5M |
| Q2 2026 | 73.51% | 73.51% | 73.51% | 27.81% | $4.2M |
Liberty Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26816) · FFIEC NIC profile (RSSD 593771)