Unibank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.30% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.30% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 10.25% +3.75 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $28.8M | 28,767 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $280.6M | 280,590 | RCOAA223 |
| Recomputed ratio | 10.25% | numerator / denominator | |
| Filed ratio | 10.25% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.75 pp | $10.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.25% +2.25 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $28.8M | 28,767 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $280.6M | 280,590 | RCOAA223 |
| Recomputed ratio | 10.25% | numerator / denominator | |
| Filed ratio | 10.25% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.25 pp | $6.3M | capital that could be lost first |
Total risk-based capital ratio 11.30% +1.30 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $31.7M | 31,701 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $280.6M | 280,590 | RCOAA223 |
| Recomputed ratio | 11.30% | numerator / denominator | |
| Filed ratio | 11.30% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.30 pp | $3.6M | capital that could be lost first |
Tier 1 leverage ratio 7.31% +2.31 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $28.8M | 28,767 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $393.5M | 393,487 | RCOAA224 |
| Recomputed ratio | 7.31% | numerator / denominator | |
| Filed ratio | 7.31% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.31 pp | $9.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 31,673 | 31,682 | 31,662 | 31,563 | 31,544 | 31,538 | RCOAP742 |
| Retained earnings | (2,906) | (2,543) | (2,407) | (1,839) | (1,619) | (2,397) | RCOAKW00 |
| Accumulated other comprehensive income | (601) | (1,021) | (710) | (1,391) | (2,111) | (1,868) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,166 | 28,118 | 28,545 | 28,333 | 27,814 | 27,273 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 601 | 1,021 | 709 | 1,390 | 2,110 | 1,866 | P859 - P840 |
| Common equity Tier 1 capital | 28,767 | 29,139 | 29,254 | 29,723 | 29,924 | 29,139 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,767 | 29,139 | 29,254 | 29,723 | 29,924 | 29,139 | RCOA8274 |
| Tier 2 capital | 2,934 | 3,015 | 2,771 | 3,107 | 3,921 | 4,725 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,934 | 3,015 | 2,771 | 3,107 | 3,921 | 4,725 | RCOA5310 |
| Total capital | 31,701 | 32,154 | 32,025 | 32,830 | 33,845 | 33,864 | RCOA3792 |
| Total risk-weighted assets | 280,590 | 273,996 | 293,217 | 308,918 | 324,628 | 375,700 | RCOAA223 |
| Average total assets for the leverage ratio | 393,487 | 405,950 | 405,086 | 405,836 | 416,888 | 487,322 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $51.7M | $446K | 0.86% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $62.5M | $22.5M | 36.04% | 8.03% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $80.3M | $79.9M | 99.51% | 28.46% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.5M | $2.2M | 150.00% | 0.78% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $189.1M | $164.5M | 87.03% | 58.64% | RC-R Part II, item 4.d, 5.d |
| All other assets | $11.9M | $10.9M | 91.57% | 3.87% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $165K | $165K | 100.00% | 0.06% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $280.6M | ties to item 31 ($280.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $280.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $280.6M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 10.25% | 10.25% | 11.30% | 7.31% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.63% | 10.63% | 11.74% | 7.18% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.98% | 9.98% | 10.92% | 7.22% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 9.62% | 9.62% | 10.63% | 7.32% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 9.22% | 9.22% | 10.43% | 7.18% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 7.76% | 7.76% | 9.01% | 5.98% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 7.53% | 7.53% | 8.80% | 5.60% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 9.33% | 9.33% | 10.62% | 7.22% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.82% | 12.82% | 14.10% | 10.22% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.62% | 12.62% | 13.89% | 10.22% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.55% | 12.55% | 13.87% | 10.16% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.54% | 16.54% | 17.61% | 13.26% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Unibank (this bank) | Risk-based | 10.25% | 10.25% | 11.30% | 7.31% | |
| The Community State Bank | $393.1M | CBLR | NA | NA | NA | 9.05% |
| Iowa State Bank | $392.9M | Risk-based | 15.52% | 15.52% | 16.80% | 11.03% |
| The Exchange Bank of Alabama | $392.5M | CBLR | NA | NA | NA | 15.30% |
| Trusttexas Bank, S.S.B. | $393.6M | Risk-based | 17.51% | 17.51% | 18.54% | 7.84% |
| Great Plains State Bank | $392.0M | CBLR | NA | NA | NA | 10.81% |
| Balboa Thrift and Loan Association | $394.5M | CBLR | NA | NA | NA | 10.61% |
| Waypoint Bank | $391.5M | Risk-based | 12.86% | 12.86% | 14.12% | 10.87% |
| Farmers State Bank | $391.5M | Risk-based | 20.19% | 20.19% | 21.38% | 14.41% |
| Alliance Bank | $391.3M | CBLR | NA | NA | NA | 13.57% |
| First National Bank of Pana | $394.8M | CBLR | NA | NA | NA | 10.55% |
| Peer 25th percentile | 14.86% | 14.86% | 16.13% | 10.56% | ||
| Peer median | 16.52% | 16.52% | 17.67% | 10.84% | ||
| Peer 75th percentile | 18.18% | 18.18% | 19.25% | 12.94% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3487947/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.