Libertyville Bank & Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.81% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.81% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 10.88% +4.38 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $297.2M | 297,157 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.73B | 2,731,663 | RCOAA223 |
| Recomputed ratio | 10.88% | numerator / denominator | |
| Filed ratio | 10.88% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.38 pp | $119.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.88% +2.88 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $297.2M | 297,157 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.73B | 2,731,663 | RCOAA223 |
| Recomputed ratio | 10.88% | numerator / denominator | |
| Filed ratio | 10.88% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.88 pp | $78.6M | capital that could be lost first |
Total risk-based capital ratio 11.81% +1.81 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $322.5M | 322,516 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.73B | 2,731,663 | RCOAA223 |
| Recomputed ratio | 11.81% | numerator / denominator | |
| Filed ratio | 11.81% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.81 pp | $49.4M | capital that could be lost first |
Tier 1 leverage ratio 9.19% +4.19 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $297.2M | 297,157 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.23B | 3,231,980 | RCOAA224 |
| Recomputed ratio | 9.19% | numerator / denominator | |
| Filed ratio | 9.19% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.19 pp | $135.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 94,231 | 94,095 | 93,969 | 93,904 | 93,750 | 93,601 | RCOAP742 |
| Retained earnings | 208,059 | 215,545 | 204,003 | 192,066 | 189,505 | 176,736 | RCOAKW00 |
| Accumulated other comprehensive income | (18,343) | (16,791) | (13,275) | (14,595) | (18,019) | (18,935) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 283,947 | 292,849 | 284,697 | 271,375 | 265,236 | 251,402 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 13,210 | 11,658 | 8,142 | 9,462 | 12,886 | 13,802 | P859 - P840 |
| Common equity Tier 1 capital | 297,157 | 304,507 | 292,839 | 280,837 | 278,122 | 265,204 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 297,157 | 304,507 | 292,839 | 280,837 | 278,122 | 265,204 | RCOA8274 |
| Tier 2 capital | 25,359 | 22,992 | 20,084 | 17,334 | 18,323 | 18,926 | RCOA5311 |
| Allowance includable in Tier 2 capital | 25,359 | 22,992 | 20,084 | 17,334 | 18,323 | 18,926 | RCOA5310 |
| Total capital | 322,516 | 327,499 | 312,923 | 298,171 | 296,445 | 284,130 | RCOA3792 |
| Total risk-weighted assets | 2,731,663 | 2,629,544 | 2,606,767 | 2,551,027 | 2,488,800 | 2,431,257 | RCOAA223 |
| Average total assets for the leverage ratio | 3,231,980 | 3,141,870 | 3,120,690 | 3,051,042 | 2,919,919 | 2,802,654 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $141.3M | $1.7M | 1.19% | 0.06% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $671.0M | $140.1M | 20.88% | 5.13% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $5K | $1K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $308.0M | $162.9M | 52.87% | 5.96% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $14.0M | $21.0M | 150.00% | 0.77% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $9.0M | $13.5M | 150.00% | 0.50% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.14B | $2.11B | 98.63% | 77.27% | RC-R Part II, item 4.d, 5.d |
| All other assets | $91.6M | $78.7M | 85.89% | 2.88% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $200.1M | $199.0M | 99.45% | 7.28% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $7.9M | $2.9M | 36.72% | 0.11% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.2M | NA | 0.04% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.73B | ties to item 31 ($2.73B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.73B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.73B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.58% | 11.58% | 12.45% | 9.69% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.23% | 11.23% | 12.00% | 9.38% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.01% | 11.01% | 11.69% | 9.20% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.17% | 11.17% | 11.91% | 9.53% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.91% | 10.91% | 11.69% | 9.46% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.05% | 11.05% | 11.81% | 9.48% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.69% | 11.69% | 12.46% | 9.83% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.01% | 11.01% | 11.87% | 9.58% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.01% | 11.01% | 11.87% | 9.59% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.45% | 11.45% | 12.29% | 9.72% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.80% | 10.80% | 11.54% | 9.58% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Libertyville Bank & Trust Company, N.A. (this bank) | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% | |
| Austin Bank, Texas N.A. | $3.33B | CBLR | NA | NA | NA | 15.12% |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| Lake Ridge Bank | $3.35B | Risk-based | 11.97% | 11.97% | 13.02% | 9.95% |
| Banterra Bank | $3.36B | Risk-based | 9.85% | 9.85% | 10.73% | 9.41% |
| Red River Bank | $3.31B | Risk-based | 17.32% | 17.32% | 18.37% | 12.49% |
| BankFirst Financial Services | $3.31B | CBLR | NA | NA | NA | 10.86% |
| ACNB Bank | $3.30B | Risk-based | 14.30% | 14.30% | 15.28% | 11.25% |
| Union Savings Bank | $3.30B | CBLR | NA | NA | NA | 11.48% |
| Fidelity Bank, N.A. | $3.30B | Risk-based | 10.97% | 10.97% | 12.16% | 9.99% |
| Northern Bank & Trust Company | $3.38B | Risk-based | 15.30% | 15.30% | 16.56% | 14.55% |
| Peer 25th percentile | 11.47% | 11.47% | 12.59% | 10.21% | ||
| Peer median | 14.30% | 14.30% | 15.28% | 11.35% | ||
| Peer 75th percentile | 15.64% | 15.64% | 16.58% | 12.24% | ||
| This bank's percentile | 14 | 14 | 14 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2339795/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.