Unico 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: 9.1% higher than in Q1 2026, at -$3.0M. Within Missouri, Unico Bank is 72nd of 98 on CET1 ratio, 11.80% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Unico Bank sits 3.27 points lower, at 11.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 13.04% |
| Tier 1 leverage ratio | 8.89% |
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 | $44.6M |
| Tier 1 capital | $44.6M |
| Total risk-based capital | $49.3M |
| Total equity capital | $43.5M |
| Risk-weighted assets | $377.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.66% |
| Tangible equity to tangible assets | 8.31% |
| Equity capital to average assets | 8.65% |
| Internal capital growth rate | 2.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $130K |
| Common stock surplus | $11.9M |
| Retained earnings | $34.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 9.98% | 9.98% | 11.23% | 8.22% | $384.1M |
| Q4 2023 | 9.93% | 9.93% | 10.68% | 8.16% | $389.6M |
| Q1 2024 | 9.89% | 9.89% | 10.68% | 8.15% | $394.8M |
| Q2 2024 | 9.66% | 9.66% | 10.45% | 7.99% | $404.6M |
| Q3 2024 | 10.10% | 10.10% | 10.89% | 8.18% | $403.4M |
| Q4 2024 | 10.71% | 10.71% | 11.54% | 8.17% | $389.7M |
| Q1 2025 | 10.95% | 10.95% | 11.84% | 8.18% | $385.9M |
| Q2 2025 | 11.43% | 11.43% | 12.41% | 8.15% | $371.3M |
| Q3 2025 | 11.53% | 11.53% | 12.58% | 8.42% | $371.7M |
| Q4 2025 | 11.34% | 11.34% | 12.50% | 8.61% | $385.9M |
| Q1 2026 | 11.73% | 11.73% | 12.91% | 8.86% | $377.7M |
| Q2 2026 | 11.80% | 11.80% | 13.04% | 8.89% | $377.9M |
Unico Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unico 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 Unico Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10608) · FFIEC NIC profile (RSSD 975153)