Community Unity Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.23% (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: 16.23% (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 23.04% +16.54 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 | $19.9M | 19,883 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $86.3M | 86,286 | RCOAA223 |
| Recomputed ratio | 23.04% | numerator / denominator | |
| Filed ratio | 23.04% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.54 pp | $14.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.04% +15.04 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 | $19.9M | 19,883 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $86.3M | 86,286 | RCOAA223 |
| Recomputed ratio | 23.04% | numerator / denominator | |
| Filed ratio | 23.04% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.04 pp | $13.0M | capital that could be lost first |
Total risk-based capital ratio 24.23% +14.23 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 | $20.9M | 20,909 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $86.3M | 86,286 | RCOAA223 |
| Recomputed ratio | 24.23% | numerator / denominator | |
| Filed ratio | 24.23% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.23 pp | $12.3M | capital that could be lost first |
Tier 1 leverage ratio 19.54% +14.54 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 | $19.9M | 19,883 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $101.7M | 101,742 | RCOAA224 |
| Recomputed ratio | 19.54% | numerator / denominator | |
| Filed ratio | 19.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +14.54 pp | $14.8M | 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 | 29,139 | 29,139 | 29,139 | 28,505 | 28,148 | 28,148 | RCOAP742 |
| Retained earnings | (9,256) | (8,899) | (8,424) | (8,019) | (7,044) | (6,505) | RCOAKW00 |
| Accumulated other comprehensive income | 34 | 91 | 143 | 137 | 125 | 101 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 19,917 | 20,331 | 20,858 | 20,623 | 21,229 | 21,744 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (34) | (91) | (143) | (137) | (125) | (101) | P859 - P840 |
| Common equity Tier 1 capital | 19,883 | 20,240 | 20,715 | 20,486 | 21,104 | 21,643 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 19,883 | 20,240 | 20,715 | 20,486 | 21,104 | 21,643 | RCOA8274 |
| Tier 2 capital | 1,026 | 800 | 703 | 645 | 592 | 524 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,026 | 800 | 703 | 645 | 592 | 524 | RCOA5310 |
| Total capital | 20,909 | 21,040 | 21,418 | 21,131 | 21,696 | 22,167 | RCOA3792 |
| Total risk-weighted assets | 86,286 | 69,387 | 56,195 | 51,564 | 47,350 | 44,767 | RCOAA223 |
| Average total assets for the leverage ratio | 101,742 | 94,312 | 85,709 | 78,688 | 72,428 | 65,608 | 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 | $2.4M | $45K | 1.82% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $11.0M | $774K | 7.02% | 0.90% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11.7M | $2.3M | 20.00% | 2.72% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $12.5M | $6.2M | 50.00% | 7.23% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $67.9M | $67.9M | 100.00% | 78.66% | RC-R Part II, item 4.d, 5.d |
| All other assets | $2.5M | $2.3M | 91.84% | 2.69% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.7M | $6.7M | 100.00% | 7.75% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $86.3M | ties to item 31 ($86.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $86.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $86.3M | 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 | 23.04% | 23.04% | 24.23% | 19.54% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 29.17% | 29.17% | 30.32% | 21.46% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 36.86% | 36.86% | 38.11% | 24.17% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 39.73% | 39.73% | 40.98% | 26.03% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 44.57% | 44.57% | 45.82% | 29.14% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 48.35% | 48.35% | 49.52% | 32.99% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 57.77% | 57.77% | 59.02% | 38.44% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 88.25% | 88.25% | 89.50% | 45.48% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 96.45% | 96.45% | 97.70% | 51.94% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | NA | NA | NA | 69.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | NA | NA | NA | 82.35% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | NA | NA | NA | 90.36% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Community Unity Bank (this bank) | Risk-based | 23.04% | 23.04% | 24.23% | 19.54% | |
| Produce State Bank | $107.2M | CBLR | NA | NA | NA | 10.33% |
| Platte Valley Bank | $107.2M | CBLR | NA | NA | NA | 13.87% |
| Citizens Bank & Trust | $107.3M | CBLR | NA | NA | NA | 12.50% |
| First Capital Bank | $107.3M | Risk-based | 13.71% | 13.71% | 14.97% | 9.57% |
| Prairie Sun Bank | $107.0M | CBLR | NA | NA | NA | 9.85% |
| Liberty Bank of New Jersey | $107.4M | CBLR | NA | NA | NA | 50.46% |
| The Sherwood State Bank | $107.5M | CBLR | NA | NA | NA | 12.32% |
| The Citizens Bank of Edina | $106.7M | CBLR | NA | NA | NA | 14.49% |
| Gainey Business Bank | $106.6M | Risk-based | 14.67% | 14.67% | 15.92% | 12.89% |
| Beauregard Federal Savings Bank | $106.4M | CBLR | NA | NA | NA | 9.70% |
| Peer 25th percentile | 13.95% | 13.95% | 15.21% | 9.97% | ||
| Peer median | 14.19% | 14.19% | 15.44% | 12.41% | ||
| Peer 75th percentile | 14.43% | 14.43% | 15.68% | 13.63% | ||
| 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/5860740/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.