First United Bank & Trust: 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 11.5% in Q2 2026, from -$24.7M to -$21.9M. It was the largest change from Q1 2026 among the key lines here. First United Bank & Trust ranks 10th of 20 Maryland banks on CET1 ratio, in the upper half at 13.96% (Q2 2026). First United Bank & Trust reported 13.96% on CET1 ratio for Q2 2026, 0.48 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.96% |
| Tier 1 risk-based capital ratio | 13.96% |
| Total risk-based capital ratio | 15.22% |
| Tier 1 leverage ratio | 11.56% |
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 | $231.2M |
| Tier 1 capital | $231.2M |
| Total risk-based capital | $251.9M |
| Total equity capital | $217.8M |
| Risk-weighted assets | $1.66B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.60% |
| Tangible equity to tangible assets | 10.10% |
| Equity capital to average assets | 10.85% |
| Internal capital growth rate | 6.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.7M |
| Common stock surplus | $90.9M |
| Retained earnings | $145.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.9M |
| 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 | 12.88% | 12.88% | 14.12% | 9.81% | $1.47B |
| Q4 2023 | 12.81% | 12.81% | 14.05% | 9.92% | $1.48B |
| Q1 2024 | 12.92% | 12.92% | 14.17% | 10.08% | $1.48B |
| Q2 2024 | 13.16% | 13.16% | 14.41% | 10.47% | $1.48B |
| Q3 2024 | 13.27% | 13.27% | 14.52% | 10.68% | $1.51B |
| Q4 2024 | 13.35% | 13.35% | 14.59% | 10.70% | $1.54B |
| Q1 2025 | 13.59% | 13.59% | 14.84% | 10.76% | $1.54B |
| Q2 2025 | 13.74% | 13.74% | 14.99% | 10.87% | $1.55B |
| Q3 2025 | 14.17% | 14.17% | 15.42% | 10.91% | $1.54B |
| Q4 2025 | 13.94% | 13.94% | 15.19% | 11.01% | $1.60B |
| Q1 2026 | 14.12% | 14.12% | 15.37% | 11.13% | $1.61B |
| Q2 2026 | 13.96% | 13.96% | 15.22% | 11.56% | $1.66B |
First United Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4857) · FFIEC NIC profile (RSSD 61122)