Libertyville Savings 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: 35.0% higher than in Q1 2026, at -$1.9M. Libertyville Savings Bank ranks 32nd of 114 Iowa banks on CET1 ratio, in the upper half at 15.62% (Q2 2026). Libertyville Savings Bank reported 15.62% on CET1 ratio for Q2 2026, 0.55 points above 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 | 15.62% |
| Tier 1 risk-based capital ratio | 15.62% |
| Total risk-based capital ratio | 16.56% |
| Tier 1 leverage ratio | 11.04% |
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 | $42.7M |
| Tier 1 capital | $42.7M |
| Total risk-based capital | $45.3M |
| Total equity capital | $44.5M |
| Risk-weighted assets | $273.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.57% |
| Tangible equity to tangible assets | 10.73% |
| Equity capital to average assets | 11.38% |
| Internal capital growth rate | 8.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $155K |
| Common stock surplus | $18.9M |
| Retained earnings | $27.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 12.54% | 12.54% | 13.38% | 9.81% | $304.1M |
| Q4 2023 | 12.44% | 12.44% | 13.27% | 10.01% | $309.0M |
| Q1 2024 | 12.90% | 12.90% | 14.08% | 10.03% | $295.6M |
| Q2 2024 | 13.24% | 13.24% | 14.45% | 10.47% | $294.2M |
| Q3 2024 | 13.53% | 13.53% | 14.48% | 10.69% | $294.3M |
| Q4 2024 | 13.58% | 13.58% | 14.41% | 10.35% | $295.7M |
| Q1 2025 | 13.72% | 13.72% | 14.59% | 10.33% | $292.2M |
| Q2 2025 | 14.01% | 14.01% | 14.97% | 10.57% | $289.6M |
| Q3 2025 | 14.63% | 14.63% | 15.67% | 10.79% | $282.5M |
| Q4 2025 | 15.13% | 15.13% | 16.09% | 10.99% | $279.7M |
| Q1 2026 | 15.01% | 15.01% | 15.96% | 10.92% | $278.7M |
| Q2 2026 | 15.62% | 15.62% | 16.56% | 11.04% | $273.5M |
Libertyville Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Libertyville Savings 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 Libertyville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13712) · FFIEC NIC profile (RSSD 857745)