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.
Total equity capital climbed 10.0% in Q2 2026, from $96.4M to $106.1M. It was the largest change from Q1 2026 among the key lines here. Union Bank has the 2nd lowest CET1 ratio of the 10 banks headquartered in Vermont, at 12.81% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Union Bank sits 0.68 points lower, at 12.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.81% |
| Tier 1 risk-based capital ratio | 12.81% |
| Total risk-based capital ratio | 13.73% |
| Tier 1 leverage ratio | 7.82% |
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 | $130.8M |
| Tier 1 capital | $130.8M |
| Total risk-based capital | $140.2M |
| Total equity capital | $106.1M |
| Risk-weighted assets | $1.02B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.81% |
| Tangible equity to tangible assets | 6.67% |
| Equity capital to average assets | 6.33% |
| Internal capital growth rate | 5.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $24.0M |
| Retained earnings | $108.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.0M |
| 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 | 12.27% | 12.27% | 13.18% | 7.68% | $897.3M |
| Q4 2023 | 12.48% | 12.48% | 13.35% | 7.62% | $896.1M |
| Q1 2024 | 12.50% | 12.50% | 13.34% | 7.67% | $899.6M |
| Q2 2024 | 12.27% | 12.27% | 13.13% | 7.65% | $921.5M |
| Q3 2024 | 11.85% | 11.85% | 12.73% | 7.44% | $951.4M |
| Q4 2024 | 11.62% | 11.62% | 12.51% | 7.31% | $983.1M |
| Q1 2025 | 11.66% | 11.66% | 12.57% | 7.31% | $985.3M |
| Q2 2025 | 11.69% | 11.69% | 12.62% | 7.30% | $988.2M |
| Q3 2025 | 11.98% | 11.98% | 12.94% | 7.49% | $990.7M |
| Q4 2025 | 11.87% | 11.87% | 12.81% | 7.36% | $1.02B |
| Q1 2026 | 12.03% | 12.03% | 12.94% | 7.39% | $1.01B |
| Q2 2026 | 12.81% | 12.81% | 13.73% | 7.82% | $1.02B |
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 14158) · FFIEC NIC profile (RSSD 333203)