Community Unity 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Common equity Tier 1 ratio dropped 6.13 percentage points in Q2 2026, from 29.17% to 23.04%. It was the largest change from Q1 2026 among the key lines here. Among 43 Michigan banks, Community Unity Bank sits 4th from the top on CET1 ratio, 23.04% as of Q2 2026. Community Unity Bank's CET1 ratio of 23.04% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 7.96 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.04% |
| Tier 1 risk-based capital ratio | 23.04% |
| Total risk-based capital ratio | 24.23% |
| Tier 1 leverage ratio | 19.54% |
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 | $19.9M |
| Tier 1 capital | $19.9M |
| Total risk-based capital | $20.9M |
| Total equity capital | $19.9M |
| Risk-weighted assets | $86.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.59% |
| Tangible equity to tangible assets | 18.59% |
| Equity capital to average assets | 19.58% |
| Internal capital growth rate | -7.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $29.1M |
| Retained earnings | -$9.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $33K |
| 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 | 408.72% | 408.72% | 408.72% | 90.36% | $6.1M |
| Q4 2023 | 264.29% | 264.29% | 265.08% | 82.35% | $9.3M |
| Q1 2024 | 162.71% | 162.71% | 163.84% | 69.56% | $14.8M |
| Q2 2024 | 96.45% | 96.45% | 97.70% | 51.94% | $24.2M |
| Q3 2024 | 88.25% | 88.25% | 89.50% | 45.48% | $25.8M |
| Q4 2024 | 57.77% | 57.77% | 59.02% | 38.44% | $38.2M |
| Q1 2025 | 48.35% | 48.35% | 49.52% | 32.99% | $44.8M |
| Q2 2025 | 44.57% | 44.57% | 45.82% | 29.14% | $47.4M |
| Q3 2025 | 39.73% | 39.73% | 40.98% | 26.03% | $51.6M |
| Q4 2025 | 36.86% | 36.86% | 38.11% | 24.17% | $56.2M |
| Q1 2026 | 29.17% | 29.17% | 30.32% | 21.46% | $69.4M |
| Q2 2026 | 23.04% | 23.04% | 24.23% | 19.54% | $86.3M |
Community Unity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Unity 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 Community Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59305) · FFIEC NIC profile (RSSD 5860740)