Unibank: 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: Risk-weighted assets edged up 2.4% between Q1 2026 and Q2 2026, to $280.6M. On CET1 ratio, Unibank is 3rd from the bottom among 21 Washington banks, 10.25% (Q2 2026). Unibank reported 10.25% on CET1 ratio for Q2 2026, 4.83 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.25% |
| Tier 1 risk-based capital ratio | 10.25% |
| Total risk-based capital ratio | 11.30% |
| Tier 1 leverage ratio | 7.31% |
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 | $28.8M |
| Tier 1 capital | $28.8M |
| Total risk-based capital | $31.7M |
| Total equity capital | $28.2M |
| Risk-weighted assets | $280.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.17% |
| Tangible equity to tangible assets | 7.17% |
| Equity capital to average assets | 7.16% |
| Internal capital growth rate | -5.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $29.0M |
| Common stock surplus | $3.4M |
| Retained earnings | -$2.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$601K |
| 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 | 16.54% | 16.54% | 17.61% | 13.26% | $489.4M |
| Q4 2023 | 12.55% | 12.55% | 13.87% | 10.16% | $496.0M |
| Q1 2024 | 12.62% | 12.62% | 13.89% | 10.22% | $482.7M |
| Q2 2024 | 12.82% | 12.82% | 14.10% | 10.22% | $467.4M |
| Q3 2024 | 9.33% | 9.33% | 10.62% | 7.22% | $443.5M |
| Q4 2024 | 7.53% | 7.53% | 8.80% | 5.60% | $413.7M |
| Q1 2025 | 7.76% | 7.76% | 9.01% | 5.98% | $375.7M |
| Q2 2025 | 9.22% | 9.22% | 10.43% | 7.18% | $324.6M |
| Q3 2025 | 9.62% | 9.62% | 10.63% | 7.32% | $308.9M |
| Q4 2025 | 9.98% | 9.98% | 10.92% | 7.22% | $293.2M |
| Q1 2026 | 10.63% | 10.63% | 11.74% | 7.18% | $274.0M |
| Q2 2026 | 10.25% | 10.25% | 11.30% | 7.31% | $280.6M |
Unibank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank, 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 Unibank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58407) · FFIEC NIC profile (RSSD 3487947)