Liberty Capital Bank: 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%.
Risk-weighted assets climbed 10.5% in Q2 2026, from $587.0M to $648.8M. It was the largest change from Q1 2026 among the key lines here. Liberty Capital Bank ranks 165th of 184 Texas banks on CET1 ratio, in the lower half at 12.55% (Q2 2026). Liberty Capital Bank reported 12.55% on CET1 ratio for Q2 2026, 2.52 points below 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 | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.70% |
| Tier 1 leverage ratio | 10.89% |
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 | $81.4M |
| Tier 1 capital | $81.4M |
| Total risk-based capital | $88.9M |
| Total equity capital | $86.1M |
| Risk-weighted assets | $648.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.21% |
| Tangible equity to tangible assets | 10.51% |
| Equity capital to average assets | 11.42% |
| Internal capital growth rate | 7.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.3M |
| Common stock surplus | $45.7M |
| Retained earnings | $36.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 17.99% | 17.99% | 18.89% | 11.81% | $276.7M |
| Q4 2023 | 17.88% | 17.88% | 18.74% | 11.93% | $287.6M |
| Q1 2024 | 16.60% | 16.60% | 17.50% | 12.46% | $305.5M |
| Q2 2024 | 15.96% | 15.96% | 16.83% | 12.45% | $316.1M |
| Q3 2024 | 15.13% | 15.13% | 15.98% | 12.37% | $341.3M |
| Q4 2024 | 14.67% | 14.67% | 15.55% | 12.07% | $361.5M |
| Q1 2025 | 14.16% | 14.16% | 15.16% | 11.79% | $362.1M |
| Q2 2025 | 13.45% | 13.45% | 14.45% | 11.34% | $391.0M |
| Q3 2025 | 13.06% | 13.06% | 14.05% | 10.84% | $414.8M |
| Q4 2025 | 12.76% | 12.76% | 13.77% | 10.71% | $612.4M |
| Q1 2026 | 13.58% | 13.58% | 14.78% | 11.15% | $587.0M |
| Q2 2026 | 12.55% | 12.55% | 13.70% | 10.89% | $648.8M |
Liberty Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Capital Bank, 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58852) · FFIEC NIC profile (RSSD 3690121)