Ubank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged down 0.20 percentage points between Q1 2026 and Q2 2026, to 12.77%.
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 | 13.14% |
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 | $24.1M |
| Tier 1 capital | $24.1M |
| Total risk-based capital | — |
| Total equity capital | $23.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.83% |
| Tangible equity to tangible assets | 12.83% |
| Equity capital to average assets | 12.77% |
| Internal capital growth rate | 0.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $137K |
| Common stock surplus | $14.5M |
| Retained earnings | $9.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$682K |
| 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 | 14.23% | 12.63% | 12.63% |
| Q4 2023 | 14.06% | 13.15% | 13.15% |
| Q1 2024 | 13.50% | 12.56% | 12.56% |
| Q2 2024 | 13.26% | 12.35% | 12.35% |
| Q3 2024 | 13.99% | 12.98% | 12.98% |
| Q4 2024 | 13.36% | 12.85% | 12.85% |
| Q1 2025 | 14.02% | 13.61% | 13.61% |
| Q2 2025 | 14.10% | 13.37% | 13.37% |
| Q3 2025 | 13.65% | 13.03% | 13.03% |
| Q4 2025 | 13.21% | 12.97% | 12.97% |
| Q1 2026 | 13.33% | 13.00% | 13.00% |
| Q2 2026 | 13.14% | 12.83% | 12.83% |
Ubank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ubank, 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 Ubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1693) · FFIEC NIC profile (RSSD 423636)