Libertyville Bank & Trust Company, N.A.: 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: 9.2% lower than in Q1 2026, at -$18.3M. Libertyville Bank & Trust Company, N.A. ranks 176th of 198 Illinois banks on CET1 ratio, in the lower half at 10.88% (Q2 2026). Libertyville Bank & Trust Company, N.A. reported 10.88% on CET1 ratio for Q2 2026, 2.60 points below 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 | 10.88% |
| Tier 1 risk-based capital ratio | 10.88% |
| Total risk-based capital ratio | 11.81% |
| Tier 1 leverage ratio | 9.19% |
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 | $297.2M |
| Tier 1 capital | $297.2M |
| Total risk-based capital | $322.5M |
| Total equity capital | $283.9M |
| Risk-weighted assets | $2.73B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.50% |
| Tangible equity to tangible assets | 8.36% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | -10.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $91.7M |
| Retained earnings | $208.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.3M |
| 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 | 10.80% | 10.80% | 11.54% | 9.58% | $2.26B |
| Q4 2023 | 11.45% | 11.45% | 12.29% | 9.72% | $2.22B |
| Q1 2024 | 11.01% | 11.01% | 11.87% | 9.59% | $2.31B |
| Q2 2024 | 11.01% | 11.01% | 11.87% | 9.58% | $2.36B |
| Q3 2024 | 11.69% | 11.69% | 12.46% | 9.83% | $2.29B |
| Q4 2024 | 11.05% | 11.05% | 11.81% | 9.48% | $2.34B |
| Q1 2025 | 10.91% | 10.91% | 11.69% | 9.46% | $2.43B |
| Q2 2025 | 11.17% | 11.17% | 11.91% | 9.53% | $2.49B |
| Q3 2025 | 11.01% | 11.01% | 11.69% | 9.20% | $2.55B |
| Q4 2025 | 11.23% | 11.23% | 12.00% | 9.38% | $2.61B |
| Q1 2026 | 11.58% | 11.58% | 12.45% | 9.69% | $2.63B |
| Q2 2026 | 10.88% | 10.88% | 11.81% | 9.19% | $2.73B |
Libertyville Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Libertyville Bank & Trust Company, N.A., 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 Libertyville Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34073) · FFIEC NIC profile (RSSD 2339795)