Liberty Savings Bank, F.S.B.: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.28 percentage points to 7.65%. Within Ohio, Liberty Savings Bank, F.S.B. is 23rd of 84 on CET1 ratio, 17.83% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Liberty Savings Bank, F.S.B. sits 4.34 points higher, at 17.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.83% |
| Tier 1 risk-based capital ratio | 17.83% |
| Total risk-based capital ratio | 19.08% |
| Tier 1 leverage ratio | 9.61% |
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 | $107.3M |
| Tier 1 capital | $107.3M |
| Total risk-based capital | $114.8M |
| Total equity capital | $85.1M |
| Risk-weighted assets | $601.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.65% |
| Tangible equity to tangible assets | 7.65% |
| Equity capital to average assets | 7.62% |
| Internal capital growth rate | 11.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.6M |
| Common stock surplus | $11.1M |
| Retained earnings | $88.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.2M |
| 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 | 15.78% | 15.78% | 16.82% | 7.96% | $649.4M |
| Q4 2023 | 16.21% | 16.21% | 17.29% | 8.03% | $632.4M |
| Q1 2024 | 16.76% | 16.76% | 17.90% | 8.36% | $631.6M |
| Q2 2024 | 16.91% | 16.91% | 18.10% | 8.45% | $627.2M |
| Q3 2024 | 16.28% | 16.28% | 17.46% | 8.32% | $645.0M |
| Q4 2024 | 16.72% | 16.72% | 17.96% | 8.35% | $630.6M |
| Q1 2025 | 16.82% | 16.82% | 18.07% | 8.43% | $621.1M |
| Q2 2025 | 17.62% | 17.62% | 18.87% | 8.94% | $597.2M |
| Q3 2025 | 17.10% | 17.10% | 18.35% | 9.24% | $616.6M |
| Q4 2025 | 17.67% | 17.67% | 18.92% | 9.42% | $595.8M |
| Q1 2026 | 17.39% | 17.39% | 18.64% | 9.43% | $603.7M |
| Q2 2026 | 17.83% | 17.83% | 19.08% | 9.61% | $601.8M |
Liberty Savings Bank, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Savings Bank, F.S.B., 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 Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32242) · FFIEC NIC profile (RSSD 839572)