Bank of Utica: 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 Retained earnings: 34.0% higher than in Q1 2026, at $85.0M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 26.49% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $391.6M |
| Tier 1 capital | $391.6M |
| Total risk-based capital | — |
| Total equity capital | $391.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 25.96% |
| Tangible equity to tangible assets | 25.96% |
| Equity capital to average assets | 26.49% |
| Internal capital growth rate | 23.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $301.6M |
| Retained earnings | $85.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 23.33% | 23.75% | 23.75% |
| Q4 2023 | 24.54% | 24.41% | 24.41% |
| Q1 2024 | 25.47% | 25.30% | 25.30% |
| Q2 2024 | 24.91% | 24.89% | 24.89% |
| Q3 2024 | 25.41% | 24.93% | 24.93% |
| Q4 2024 | 24.06% | 23.86% | 23.86% |
| Q1 2025 | 24.01% | 23.58% | 23.58% |
| Q2 2025 | 24.27% | 24.06% | 24.06% |
| Q3 2025 | 24.87% | 24.59% | 24.59% |
| Q4 2025 | 25.55% | 25.55% | 25.55% |
| Q1 2026 | 25.79% | 25.56% | 25.56% |
| Q2 2026 | 26.49% | 25.96% | 25.96% |
Bank of Utica regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Utica, 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 Bank of Utica profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13397) · FFIEC NIC profile (RSSD 254317)