Liberty National 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%.
The standout move of Q2 2026 was in Retained earnings: 11.0% higher than in Q1 2026, at $13.8M. Within Iowa, Liberty National Bank is 88th of 114 on CET1 ratio, 11.80% as of Q2 2026, below the middle of the field. Liberty National Bank reported 11.80% on CET1 ratio for Q2 2026, 3.27 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 | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 12.76% |
| Tier 1 leverage ratio | 10.31% |
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 | $58.8M |
| Tier 1 capital | $58.8M |
| Total risk-based capital | $63.6M |
| Total equity capital | $104.1M |
| Risk-weighted assets | $498.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.67% |
| Tangible equity to tangible assets | 9.97% |
| Equity capital to average assets | 16.89% |
| Internal capital growth rate | 5.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $84.5M |
| Retained earnings | $13.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 11.30% | 11.30% | 12.32% | 9.15% | $407.9M |
| Q4 2023 | 10.93% | 10.93% | 11.92% | 8.79% | $428.3M |
| Q1 2024 | 10.92% | 10.92% | 11.92% | 8.93% | $433.6M |
| Q2 2024 | 10.82% | 10.82% | 11.79% | 9.31% | $447.3M |
| Q3 2024 | 10.56% | 10.56% | 11.49% | 9.20% | $463.1M |
| Q4 2024 | 10.73% | 10.73% | 11.66% | 9.12% | $471.2M |
| Q1 2025 | 10.79% | 10.79% | 11.74% | 9.32% | $475.2M |
| Q2 2025 | 11.35% | 11.35% | 12.32% | 9.76% | $469.8M |
| Q3 2025 | 11.15% | 11.15% | 12.10% | 9.84% | $483.2M |
| Q4 2025 | 11.20% | 11.20% | 12.17% | 9.53% | $485.7M |
| Q1 2026 | 11.10% | 11.10% | 12.06% | 9.77% | $492.0M |
| Q2 2026 | 11.80% | 11.80% | 12.76% | 10.31% | $498.3M |
Liberty National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57505) · FFIEC NIC profile (RSSD 3140822)