First United National 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 dropped 18.2% in Q3 2026, from -$10.8M to -$12.8M. It was the largest change from Q2 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.33% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $33.2M |
| Tier 1 capital | $33.2M |
| Total risk-based capital | — |
| Total equity capital | $20.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 5.36% |
| Tangible equity to tangible assets | 5.31% |
| Equity capital to average assets | 5.17% |
| Internal capital growth rate | 13.58% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $584K |
| Common stock surplus | $2.1M |
| Retained earnings | $30.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.8M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 16.00% | 16.00% | 16.53% | 8.58% | $185.1M |
| Q1 2024 | 16.01% | 16.01% | 16.51% | 8.41% | $183.9M |
| Q2 2024 | 15.82% | 15.82% | 16.33% | 8.50% | $187.4M |
| Q3 2024 | 15.81% | 15.81% | 16.32% | 8.36% | $188.6M |
| Q4 2024 | 15.91% | 15.91% | 16.44% | 8.32% | $189.4M |
| Q1 2025 | 15.99% | 15.99% | 16.53% | 8.03% | $189.7M |
| Q2 2025 | 15.94% | 15.94% | 16.49% | 8.06% | $192.0M |
| Q3 2025 | 16.30% | 16.30% | 16.86% | 8.29% | $191.7M |
| Q4 2025 | 16.52% | 16.52% | 17.09% | 8.29% | $190.2M |
| Q1 2026 | 16.58% | 16.58% | 17.15% | 8.36% | $191.7M |
| Q2 2026 | 16.79% | 16.79% | 17.35% | 8.16% | $193.1M |
| Q3 2026 | — | — | — | 8.33% | — |
First United National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First United National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7886) · FFIEC NIC profile (RSSD 127224)