Union 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%.
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 total assets edged up 0.17 percentage points between Q1 2026 and Q2 2026, to 8.86%. Within Tennessee, Union Bank is 8th of 71 on CET1 ratio, 21.26% as of Q2 2026. Union Bank reported 21.26% on CET1 ratio for Q2 2026, 6.18 points above 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 | 21.26% |
| Tier 1 risk-based capital ratio | 21.26% |
| Total risk-based capital ratio | 21.88% |
| Tier 1 leverage ratio | 10.68% |
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 | $26.1M |
| Tier 1 capital | $26.1M |
| Total risk-based capital | $26.9M |
| Total equity capital | $21.9M |
| Risk-weighted assets | $123.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.86% |
| Tangible equity to tangible assets | 8.86% |
| Equity capital to average assets | 8.94% |
| Internal capital growth rate | 3.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $24.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 23.84% | 23.84% | 25.09% | 11.79% | $105.4M |
| Q4 2023 | 23.45% | 23.45% | 24.19% | 11.77% | $107.9M |
| Q1 2024 | 23.68% | 23.68% | 24.43% | 11.46% | $106.5M |
| Q2 2024 | 23.14% | 23.14% | 23.90% | 11.40% | $107.4M |
| Q3 2024 | 23.38% | 23.38% | 24.15% | 11.31% | $106.9M |
| Q4 2024 | 21.99% | 21.99% | 22.62% | 10.96% | $113.5M |
| Q1 2025 | 21.68% | 21.68% | 22.31% | 10.81% | $115.4M |
| Q2 2025 | 21.64% | 21.64% | 22.27% | 10.71% | $116.1M |
| Q3 2025 | 21.68% | 21.68% | 22.30% | 10.86% | $117.9M |
| Q4 2025 | 21.67% | 21.67% | 22.28% | 10.82% | $118.6M |
| Q1 2026 | 21.23% | 21.23% | 21.82% | 10.65% | $122.4M |
| Q2 2026 | 21.26% | 21.26% | 21.88% | 10.68% | $123.0M |
Union Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6088) · FFIEC NIC profile (RSSD 235231)