First Utah 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.9% lower than in Q1 2026, at -$2.4M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.22% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $85.9M |
| Tier 1 capital | $85.9M |
| Total risk-based capital | — |
| Total equity capital | $85.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.17% |
| Tangible equity to tangible assets | 10.04% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | 7.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $41.1M |
| Common stock surplus | $5.2M |
| Retained earnings | $41.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 12.41% | 12.41% | 13.45% | 10.04% | $553.3M |
| Q4 2023 | 12.07% | 12.07% | 13.20% | 9.91% | $578.3M |
| Q1 2024 | 11.82% | 11.82% | 12.92% | 9.88% | $602.0M |
| Q2 2024 | 11.99% | 11.99% | 13.08% | 9.69% | $603.6M |
| Q3 2024 | 11.52% | 11.52% | 12.64% | 9.48% | $635.5M |
| Q4 2024 | 10.81% | 10.81% | 11.98% | 9.21% | $688.0M |
| Q1 2025 | 11.15% | 11.15% | 12.34% | 9.00% | $690.8M |
| Q2 2025 | 10.84% | 10.84% | 12.00% | 9.12% | $711.4M |
| Q3 2025 | 11.12% | 11.12% | 12.31% | 9.37% | $716.4M |
| Q4 2025 | 11.73% | 11.73% | 12.95% | 9.58% | $693.3M |
| Q1 2026 | 11.86% | 11.86% | 13.05% | 9.99% | $711.9M |
| Q2 2026 | — | — | — | 10.22% | — |
First Utah Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Utah 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 Utah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22738) · FFIEC NIC profile (RSSD 207872)