Liberty Bank Minnesota: 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 biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged down 1.3% between Q1 2026 and Q2 2026, to -$12.2M. On CET1 ratio, Liberty Bank Minnesota ranks 12th highest among the 161 banks headquartered in Minnesota, at 25.85% (Q2 2026). Liberty Bank Minnesota's CET1 ratio of 25.85% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 10.78 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.85% |
| Tier 1 risk-based capital ratio | 25.85% |
| Total risk-based capital ratio | 26.78% |
| Tier 1 leverage ratio | 12.90% |
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 | $39.1M |
| Tier 1 capital | $39.1M |
| Total risk-based capital | $40.5M |
| Total equity capital | $26.9M |
| Risk-weighted assets | $151.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.25% |
| Tangible equity to tangible assets | 9.25% |
| Equity capital to average assets | 8.87% |
| Internal capital growth rate | 0.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $280K |
| Common stock surplus | $21.7M |
| Retained earnings | $17.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.2M |
| 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 | 25.34% | 25.34% | 26.23% | 13.77% | $148.4M |
| Q4 2023 | 25.49% | 25.49% | 26.45% | 14.19% | $148.9M |
| Q1 2024 | 24.86% | 24.86% | 25.82% | 13.85% | $149.1M |
| Q2 2024 | 24.58% | 24.58% | 25.52% | 13.95% | $152.9M |
| Q3 2024 | 24.76% | 24.76% | 25.70% | 13.18% | $153.4M |
| Q4 2024 | 25.09% | 25.09% | 26.03% | 13.40% | $152.5M |
| Q1 2025 | 24.78% | 24.78% | 25.71% | 13.18% | $152.6M |
| Q2 2025 | 24.95% | 24.95% | 25.87% | 13.24% | $153.2M |
| Q3 2025 | 25.62% | 25.62% | 26.55% | 13.45% | $151.7M |
| Q4 2025 | 25.92% | 25.92% | 26.85% | 13.60% | $151.8M |
| Q1 2026 | 25.79% | 25.79% | 26.72% | 13.00% | $151.4M |
| Q2 2026 | 25.85% | 25.85% | 26.78% | 12.90% | $151.2M |
Liberty Bank Minnesota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26891) · FFIEC NIC profile (RSSD 1387203)