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%.
The standout move of Q2 2026 was in Retained earnings: 9.2% higher than in Q1 2026, at $14.7M. Union Bank has the 1st lowest CET1 ratio of the 43 banks headquartered in Michigan, at 9.77% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Union Bank sits 5.32 points lower, at 9.77% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.77% |
| Tier 1 risk-based capital ratio | 9.77% |
| Total risk-based capital ratio | 10.96% |
| Tier 1 leverage ratio | 8.83% |
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 | $33.7M |
| Tier 1 capital | $33.7M |
| Total risk-based capital | $37.9M |
| Total equity capital | $33.4M |
| Risk-weighted assets | $345.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.42% |
| Tangible equity to tangible assets | 8.19% |
| Equity capital to average assets | 8.72% |
| Internal capital growth rate | 15.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $697K |
| Common stock surplus | $19.3M |
| Retained earnings | $14.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 10.75% | 10.75% | 12.00% | 8.70% | $264.7M |
| Q4 2023 | 10.26% | 10.26% | 11.51% | 8.84% | $282.0M |
| Q1 2024 | 10.11% | 10.11% | 11.36% | 8.66% | $287.9M |
| Q2 2024 | 9.81% | 9.81% | 11.06% | 8.05% | $300.5M |
| Q3 2024 | 9.68% | 9.68% | 10.82% | 8.32% | $307.2M |
| Q4 2024 | 9.57% | 9.57% | 10.71% | 8.24% | $316.6M |
| Q1 2025 | 9.69% | 9.69% | 10.94% | 8.22% | $314.2M |
| Q2 2025 | 9.29% | 9.29% | 10.35% | 8.48% | $334.8M |
| Q3 2025 | 9.63% | 9.63% | 10.66% | 8.40% | $331.1M |
| Q4 2025 | 9.56% | 9.56% | 10.63% | 8.59% | $339.8M |
| Q1 2026 | 9.53% | 9.53% | 10.78% | 8.55% | $340.9M |
| Q2 2026 | 9.77% | 9.77% | 10.96% | 8.83% | $345.5M |
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 14722) · FFIEC NIC profile (RSSD 390840)