Oneunited 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 Retained earnings: 12.6% lower than in Q1 2026, at -$8.2M.
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 | 10.43% |
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 | $45.8M |
| Tier 1 capital | $65.5M |
| Total risk-based capital | — |
| Total equity capital | $59.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 9.39% |
| Internal capital growth rate | -6.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $52K |
| Common stock surplus | $56.8M |
| Retained earnings | -$8.2M |
| Preferred stock and surplus | $19.7M |
| Accumulated other comprehensive income | -$9.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.58% | 8.78% | 8.77% |
| Q4 2023 | 10.70% | 7.44% | 7.44% |
| Q1 2024 | 10.67% | 9.14% | 9.14% |
| Q2 2024 | 10.78% | 9.17% | 9.17% |
| Q3 2024 | 10.95% | 10.39% | 10.39% |
| Q4 2024 | 11.38% | 7.57% | 7.57% |
| Q1 2025 | 11.12% | 9.73% | 9.73% |
| Q2 2025 | 11.08% | 9.83% | 9.83% |
| Q3 2025 | 11.17% | 10.02% | 10.02% |
| Q4 2025 | 10.90% | 8.23% | 8.23% |
| Q1 2026 | 10.83% | 9.88% | 9.88% |
| Q2 2026 | 10.43% | 9.29% | 9.29% |
Oneunited Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oneunited 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 Oneunited Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23966) · FFIEC NIC profile (RSSD 935308)