Unified 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%.
Accumulated other comprehensive income climbed 50.9% in Q2 2026, from -$7.7M to -$3.8M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Unified Bank is 61st of 84 on CET1 ratio, 12.53% 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. Unified Bank sits 2.55 points lower, at 12.53% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.53% |
| Tier 1 risk-based capital ratio | 12.53% |
| Total risk-based capital ratio | 13.22% |
| Tier 1 leverage ratio | 8.99% |
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 | $78.5M |
| Tier 1 capital | $78.5M |
| Total risk-based capital | $82.9M |
| Total equity capital | $75.4M |
| Risk-weighted assets | $626.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.65% |
| Tangible equity to tangible assets | 8.58% |
| Equity capital to average assets | 8.63% |
| Internal capital growth rate | 0.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $30.1M |
| Retained earnings | $47.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 14.18% | 14.18% | 14.93% | 9.47% | $548.1M |
| Q4 2023 | 13.27% | 13.27% | 13.93% | 9.65% | $587.2M |
| Q1 2024 | 13.40% | 13.40% | 14.07% | 9.50% | $578.1M |
| Q2 2024 | 13.26% | 13.26% | 13.94% | 9.39% | $584.7M |
| Q3 2024 | 13.37% | 13.37% | 14.05% | 9.52% | $580.5M |
| Q4 2024 | 13.11% | 13.11% | 13.78% | 9.55% | $596.5M |
| Q1 2025 | 12.66% | 12.66% | 13.33% | 9.51% | $617.2M |
| Q2 2025 | 12.86% | 12.86% | 13.55% | 9.24% | $608.9M |
| Q3 2025 | 12.61% | 12.61% | 13.30% | 9.23% | $620.9M |
| Q4 2025 | 12.73% | 12.73% | 13.42% | 9.18% | $615.6M |
| Q1 2026 | 12.40% | 12.40% | 13.07% | 9.17% | $632.4M |
| Q2 2026 | 12.53% | 12.53% | 13.22% | 8.99% | $626.8M |
Unified Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unified 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 Unified Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9463) · FFIEC NIC profile (RSSD 584724)