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 Accumulated other comprehensive income: 10.2% lower than in Q1 2026, at -$4.0M. Liberty National Bank ranks 36th of 71 Oklahoma banks on CET1 ratio, in the lower half at 14.38% (Q2 2026). Liberty National Bank reported 14.38% on CET1 ratio for Q2 2026, 0.91 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.38% |
| Tier 1 risk-based capital ratio | 14.38% |
| Total risk-based capital ratio | 15.47% |
| 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 | $136.3M |
| Tier 1 capital | $136.3M |
| Total risk-based capital | $146.6M |
| Total equity capital | $135.2M |
| Risk-weighted assets | $947.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.23% |
| Tangible equity to tangible assets | 10.03% |
| Equity capital to average assets | 10.20% |
| Internal capital growth rate | 7.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $36.3M |
| Retained earnings | $102.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 11.25% | 11.25% | 12.22% | 8.78% | $865.5M |
| Q4 2023 | 11.50% | 11.50% | 12.48% | 8.85% | $877.2M |
| Q1 2024 | 11.89% | 11.89% | 12.91% | 8.58% | $872.6M |
| Q2 2024 | 11.85% | 11.85% | 12.89% | 8.43% | $896.3M |
| Q3 2024 | 11.80% | 11.80% | 12.85% | 8.66% | $928.6M |
| Q4 2024 | 12.33% | 12.33% | 13.43% | 9.31% | $930.5M |
| Q1 2025 | 12.82% | 12.82% | 13.91% | 9.54% | $935.2M |
| Q2 2025 | 13.10% | 13.10% | 14.21% | 9.92% | $938.4M |
| Q3 2025 | 13.63% | 13.63% | 14.74% | 10.57% | $941.6M |
| Q4 2025 | 14.72% | 14.72% | 15.85% | 10.77% | $911.2M |
| Q1 2026 | 14.49% | 14.49% | 15.60% | 10.29% | $922.8M |
| Q2 2026 | 14.38% | 14.38% | 15.47% | 10.31% | $947.4M |
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 11522) · FFIEC NIC profile (RSSD 68756)