First United 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%.
Accumulated other comprehensive income climbed 11.0% in Q2 2026, from -$54.3M to -$48.4M. It was the largest change from Q1 2026 among the key lines here. Within Texas, First United Bank is 110th of 184 on CET1 ratio, 15.64% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. First United Bank sits 2.16 points higher, at 15.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.64% |
| Tier 1 risk-based capital ratio | 15.64% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 11.17% |
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 | $276.1M |
| Tier 1 capital | $276.1M |
| Total risk-based capital | $297.2M |
| Total equity capital | $253.2M |
| Risk-weighted assets | $1.77B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.51% |
| Tangible equity to tangible assets | 9.55% |
| Equity capital to average assets | 10.14% |
| Internal capital growth rate | 1.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $93.6M |
| Retained earnings | $206.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$48.4M |
| 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 | 14.71% | 14.71% | 15.83% | 10.67% | $1.62B |
| Q4 2023 | 15.32% | 15.32% | 16.54% | 10.91% | $1.60B |
| Q1 2024 | 15.49% | 15.49% | 16.71% | 11.17% | $1.60B |
| Q2 2024 | 15.50% | 15.50% | 16.73% | 11.30% | $1.61B |
| Q3 2024 | 15.85% | 15.85% | 17.10% | 11.47% | $1.60B |
| Q4 2024 | 16.15% | 16.15% | 17.39% | 11.81% | $1.61B |
| Q1 2025 | 14.37% | 14.37% | 15.55% | 10.97% | $1.73B |
| Q2 2025 | 14.69% | 14.69% | 15.91% | 10.28% | $1.70B |
| Q3 2025 | 14.84% | 14.84% | 16.05% | 10.56% | $1.72B |
| Q4 2025 | 15.56% | 15.56% | 16.78% | 10.89% | $1.72B |
| Q1 2026 | 15.89% | 15.89% | 17.14% | 11.08% | $1.73B |
| Q2 2026 | 15.64% | 15.64% | 16.83% | 11.17% | $1.77B |
First United Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First United 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 First United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12769) · FFIEC NIC profile (RSSD 578255)