Liberty Bank N.A.: 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 Equity capital to average assets: 1.03 percentage points higher than in Q1 2026, at 14.84%. Liberty Bank N.A. ranks 19th of 74 California banks on CET1 ratio, in the upper half at 19.38% (Q2 2026). Liberty Bank N.A. reported 19.38% on CET1 ratio for Q2 2026, 4.31 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.38% |
| Tier 1 risk-based capital ratio | 19.38% |
| Total risk-based capital ratio | 20.63% |
| Tier 1 leverage ratio | 14.44% |
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 | $55.2M |
| Tier 1 capital | $55.2M |
| Total risk-based capital | $58.8M |
| Total equity capital | $57.1M |
| Risk-weighted assets | $284.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.29% |
| Tangible equity to tangible assets | 13.65% |
| Equity capital to average assets | 14.84% |
| Internal capital growth rate | -3.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $91.2M |
| Retained earnings | -$34.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$246K |
| 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 | 14.66% | 14.66% | 15.91% | 12.81% | $478.4M |
| Q4 2023 | 14.02% | 14.02% | 15.27% | 12.33% | $490.6M |
| Q1 2024 | 16.23% | 16.23% | 17.48% | 12.36% | $411.8M |
| Q2 2024 | 16.88% | 16.88% | 18.14% | 12.26% | $392.4M |
| Q3 2024 | 16.68% | 16.68% | 17.81% | 12.30% | $388.2M |
| Q4 2024 | 16.87% | 16.87% | 18.07% | 12.23% | $360.1M |
| Q1 2025 | 17.78% | 17.78% | 19.03% | 12.67% | $333.2M |
| Q2 2025 | 18.13% | 18.13% | 19.39% | 13.58% | $319.2M |
| Q3 2025 | 17.93% | 17.93% | 19.18% | 13.43% | $314.5M |
| Q4 2025 | 18.53% | 18.53% | 19.78% | 13.60% | $301.6M |
| Q1 2026 | 19.21% | 19.21% | 20.46% | 13.42% | $289.6M |
| Q2 2026 | 19.38% | 19.38% | 20.63% | 14.44% | $284.9M |
Liberty Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank N.A., 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 N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35331) · FFIEC NIC profile (RSSD 2907439)