2UNIFI Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
2UNIFI Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 142.66% in Q3 2026, up 65.89 percentage points from 76.76% in Q3 2025. Across the 12 quarters shown it ranged from 71.18% (Q1 2024) to 142.66% (Q3 2026).
The standout move of Q3 2026 was in Common equity Tier 1 ratio: 1.94 percentage points higher than in Q2 2026, at 142.66%. As of Q3 2026, 2UNIFI Bank ranks first in Wyoming on CET1 ratio among 15 banks, at 142.66%. 2UNIFI Bank's CET1 ratio of 142.66% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 122.70 points (Q3 2026).
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 142.66% |
| Tier 1 risk-based capital ratio | 142.66% |
| Total risk-based capital ratio | 143.13% |
| Tier 1 leverage ratio | 38.45% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: common equity Tier 1 capital, up 0.8% to $15.0M in Q3 2026 after $14.9M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $15.0M |
| Tier 1 capital | $15.0M |
| Total risk-based capital | $15.1M |
| Total equity capital | $15.0M |
| Risk-weighted assets | $10.5M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to total assets moved most in this table, down 0.70 points: 38.73% in Q2 2026, 38.03% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 38.03% |
| Tangible equity to tangible assets | 38.03% |
| Equity capital to average assets | 38.45% |
| Internal capital growth rate | 3.38% |
Capital structure
Largest change in this table: retained earnings, up 5.0% to $2.6M in Q3 2026 after $2.5M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $12.4M |
| Retained earnings | $2.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 71.24% | 71.24% | 71.24% | 29.98% | $16.3M |
| Q1 2024 | 71.18% | 71.18% | 71.19% | 30.36% | $16.6M |
| Q2 2024 | 72.85% | 72.85% | 72.86% | 30.47% | $16.7M |
| Q3 2024 | 75.37% | 75.37% | 75.38% | 30.38% | $16.3M |
| Q4 2024 | 77.23% | 77.23% | 77.25% | 30.95% | $16.1M |
| Q1 2025 | 73.72% | 73.72% | 73.82% | 31.44% | $17.2M |
| Q2 2025 | 74.57% | 74.57% | 74.73% | 32.50% | $17.1M |
| Q3 2025 | 76.76% | 76.76% | 76.93% | 33.90% | $17.0M |
| Q4 2025 | 79.30% | 79.30% | 79.49% | 34.16% | $16.7M |
| Q1 2026 | 129.64% | 129.64% | 129.92% | 34.57% | $10.3M |
| Q2 2026 | 140.71% | 140.71% | 141.20% | 38.37% | $10.6M |
| Q3 2026 | 142.66% | 142.66% | 143.13% | 38.45% | $10.5M |
2UNIFI Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full 2UNIFI Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23826) · FFIEC NIC profile (RSSD 898458)