Liberty Capital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 216.63 percentage points higher than in Q1 2026, at 2590.53%. Within Texas, Liberty Capital Bank is 186th of 345 on return on assets, 1.42% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Liberty Capital Bank sits 0.16 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.70% |
| Tier 1 leverage ratio | 10.89% |
| Equity capital to assets | 11.21% |
| Tangible equity to tangible assets | 10.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.52% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 2590.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 12.53% |
| Net interest margin | 4.10% |
| Efficiency ratio | 58.13% |
| Yield on earning assets | 6.13% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.01% |
| Core deposits to total deposits | 96.02% |
| Brokered deposits to total deposits | 0.44% |
| Deposits to assets | 88.02% |
| Securities to assets | 1.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.99% | 17.99% | 18.89% | 11.81% | 1.65% |
| Q4 2023 | 17.88% | 17.88% | 18.74% | 11.93% | 2.09% |
| Q1 2024 | 16.60% | 16.60% | 17.50% | 12.46% | 1.54% |
| Q2 2024 | 15.96% | 15.96% | 16.83% | 12.45% | 0.38% |
| Q3 2024 | 15.13% | 15.13% | 15.98% | 12.37% | 1.77% |
| Q4 2024 | 14.67% | 14.67% | 15.55% | 12.07% | 1.82% |
| Q1 2025 | 14.16% | 14.16% | 15.16% | 11.79% | 1.93% |
| Q2 2025 | 13.45% | 13.45% | 14.45% | 11.34% | 1.91% |
| Q3 2025 | 13.06% | 13.06% | 14.05% | 10.84% | 1.97% |
| Q4 2025 | 12.76% | 12.76% | 13.77% | 10.71% | 2.01% |
| Q1 2026 | 13.58% | 13.58% | 14.78% | 11.15% | 1.73% |
| Q2 2026 | 12.55% | 12.55% | 13.70% | 10.89% | 1.42% |
Liberty Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Capital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)