Liberty Bank of New Jersey: 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: 42.72 percentage points lower than in Q1 2026, at 50.39%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 50.46% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $47.1M |
| Tier 1 capital | $47.1M |
| Total risk-based capital | — |
| Total equity capital | $47.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 43.80% |
| Tangible equity to tangible assets | 43.80% |
| Equity capital to average assets | 50.39% |
| Internal capital growth rate | -3.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50.0M |
| Common stock surplus | $0 |
| Retained earnings | -$3.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 2 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q1 2026 | 93.12% | 67.31% | 67.31% |
| Q2 2026 | 50.46% | 43.80% | 43.80% |
Liberty Bank of New Jersey regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank of New Jersey, 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 of New Jersey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59369) · FFIEC NIC profile (RSSD 6095071)