Liberty Bank of New Jersey: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 50.46% +41.46 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $47.1M | 47,083 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $93.3M | 93,300 | RCOAA224 |
| Recomputed ratio | 50.46% | numerator / denominator | |
| Filed ratio | 50.46% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +41.46 pp | $38.7M | 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 | Source |
|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 50,000 | 50,000 | RCOAP742 |
| Retained earnings | (2,950) | (2,483) | RCOAKW00 |
| Accumulated other comprehensive income | (33) | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 47,017 | 47,517 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 66 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 47,083 | 47,517 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | RCOAP865 |
| Tier 1 capital | 47,083 | 47,517 | RCOA8274 |
| Tier 2 capital | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | |
| Total capital | NA | NA | |
| Average total assets for the leverage ratio | 93,300 | 51,030 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
2 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 | CBLR | NA | NA | NA | 50.46% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 93.12% | 14.98% | 15.01% | 16.09% | 10.86% |
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 of New Jersey (this bank) | CBLR | NA | NA | NA | 50.46% | |
| First Capital Bank | $107.3M | Risk-based | 13.71% | 13.71% | 14.97% | 9.57% |
| Citizens Bank & Trust | $107.3M | CBLR | NA | NA | NA | 12.50% |
| Platte Valley Bank | $107.2M | CBLR | NA | NA | NA | 13.87% |
| Produce State Bank | $107.2M | CBLR | NA | NA | NA | 10.33% |
| The Sherwood State Bank | $107.5M | CBLR | NA | NA | NA | 12.32% |
| Community Unity Bank | $107.1M | Risk-based | 23.04% | 23.04% | 24.23% | 19.54% |
| Prairie Sun Bank | $107.0M | CBLR | NA | NA | NA | 9.85% |
| The Bank of Magnolia Company | $107.8M | Risk-based | 23.18% | 23.18% | 24.43% | 12.96% |
| Nashville Savings Bank | $107.9M | CBLR | NA | NA | NA | 12.89% |
| Garfield County Bank | $108.0M | CBLR | NA | NA | NA | 15.82% |
| Peer 25th percentile | 18.38% | 18.38% | 19.60% | 10.83% | ||
| Peer median | 23.04% | 23.04% | 24.23% | 12.69% | ||
| Peer 75th percentile | 23.11% | 23.11% | 24.33% | 13.64% | ||
| This bank's percentile | NA | NA | NA | 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/6095071/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.