2UNIFI Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 133.20% (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: 133.20% (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 140.71% +134.21 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 | $14.9M | 14,897 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $10.6M | 10,587 | RCOAA223 |
| Recomputed ratio | 140.71% | numerator / denominator | |
| Filed ratio | 140.71% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +134.21 pp | $14.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 140.71% +132.71 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 | $14.9M | 14,897 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $10.6M | 10,587 | RCOAA223 |
| Recomputed ratio | 140.71% | numerator / denominator | |
| Filed ratio | 140.71% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +132.71 pp | $14.1M | capital that could be lost first |
Total risk-based capital ratio 141.20% +131.20 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 | $14.9M | 14,949 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $10.6M | 10,587 | RCOAA223 |
| Recomputed ratio | 141.20% | numerator / denominator | |
| Filed ratio | 141.20% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +131.20 pp | $13.9M | capital that could be lost first |
Tier 1 leverage ratio 38.37% +33.37 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 | $14.9M | 14,897 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $38.8M | 38,825 | RCOAA224 |
| Recomputed ratio | 38.37% | numerator / denominator | |
| Filed ratio | 38.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +33.37 pp | $13.0M | 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 | 12,382 | 12,382 | 12,382 | 12,382 | 12,382 | 12,382 | RCOAP742 |
| Retained earnings | 2,515 | 1,560 | 1,509 | 1,386 | 1,126 | 1,021 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 14,897 | 13,942 | 13,891 | 13,768 | 13,508 | 13,403 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | (651) | (673) | (698) | (722) | (747) | P859 - P840 |
| Common equity Tier 1 capital | 14,897 | 13,291 | 13,218 | 13,070 | 12,786 | 12,656 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,897 | 13,291 | 13,218 | 13,070 | 12,786 | 12,656 | RCOA8274 |
| Tier 2 capital | 52 | 28 | 31 | 28 | 27 | 16 | RCOA5311 |
| Allowance includable in Tier 2 capital | 52 | 28 | 31 | 28 | 27 | 16 | RCOA5310 |
| Total capital | 14,949 | 13,319 | 13,249 | 13,098 | 12,813 | 12,672 | RCOA3792 |
| Total risk-weighted assets | 10,587 | 10,252 | 16,668 | 17,026 | 17,146 | 17,167 | RCOAA223 |
| Average total assets for the leverage ratio | 38,825 | 38,442 | 38,689 | 38,557 | 39,344 | 40,255 | 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 | $32.3M | $6.4M | 19.85% | 60.57% | RC-R Part II, item 1 |
| Loans: all other | $5.6M | $3.5M | 63.40% | 33.26% | RC-R Part II, item 4.d, 5.d |
| All other assets | $653K | $653K | 100.00% | 6.17% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1K | $1K | 100.00% | 0.01% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $10.6M | ties to item 31 ($10.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $10.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $10.6M | 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 | 140.71% | 140.71% | 141.20% | 38.37% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 129.64% | 129.64% | 129.92% | 34.57% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 79.30% | 79.30% | 79.49% | 34.16% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 76.76% | 76.76% | 76.93% | 33.90% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 74.57% | 74.57% | 74.73% | 32.50% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 73.72% | 73.72% | 73.82% | 31.44% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 77.23% | 77.23% | 77.25% | 30.95% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 75.37% | 75.37% | 75.38% | 30.38% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 72.85% | 72.85% | 72.86% | 30.47% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 71.18% | 71.18% | 71.19% | 30.36% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 71.24% | 71.24% | 71.24% | 29.98% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 72.01% | 72.01% | 72.01% | 29.87% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| 2UNIFI Bank (this bank) | Risk-based | 140.71% | 140.71% | 141.20% | 38.37% | |
| Peoples State Bank, Fairmount, North Dakota | $38.5M | Risk-based | 11.38% | 11.38% | 12.25% | 8.38% |
| Tucumcari Federal Savings & Loan Association | $38.4M | CBLR | NA | NA | NA | 15.22% |
| Houston Bank & Trust | $38.5M | CBLR | NA | NA | NA | 93.01% |
| Cottonwood Valley Bank | $38.1M | CBLR | NA | NA | NA | 14.39% |
| The First National Bank at Saint James | $37.9M | Risk-based | 15.51% | 15.51% | 16.77% | 8.68% |
| Farmers State Bank of Emden | $37.8M | Risk-based | 57.40% | 57.40% | 57.97% | 29.58% |
| State Bank of Nauvoo | $37.7M | Risk-based | 15.77% | 15.77% | 16.68% | 8.31% |
| Kingstree Federal Savings and Loan Association | $39.3M | CBLR | NA | NA | NA | 13.91% |
| Avana Bank | $39.6M | CBLR | NA | NA | NA | 17.52% |
| Bank of Mead | $39.7M | CBLR | NA | NA | NA | 10.13% |
| Peer 25th percentile | 14.48% | 14.48% | 15.57% | 9.04% | ||
| Peer median | 15.64% | 15.64% | 16.72% | 14.15% | ||
| Peer 75th percentile | 26.18% | 26.18% | 27.07% | 16.95% | ||
| This bank's percentile | 100 | 100 | 100 | 90 |
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/898458/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.