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.
Compared with Q1 2026, Tangible equity to tangible assets rose 0.48 percentage points in Q2 2026 to 10.63%, the biggest move on this page. Within Arkansas, Union Bank is 9th of 37 on CET1 ratio, 19.50% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Union Bank sits 4.42 points higher, at 19.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.50% |
| Tier 1 risk-based capital ratio | 19.50% |
| Total risk-based capital ratio | 20.76% |
| Tier 1 leverage ratio | 11.40% |
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 | $80.6M |
| Tier 1 capital | $80.6M |
| Total risk-based capital | $85.8M |
| Total equity capital | $79.9M |
| Risk-weighted assets | $413.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.25% |
| Tangible equity to tangible assets | 10.63% |
| Equity capital to average assets | 11.23% |
| Internal capital growth rate | 15.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $18.0M |
| Retained earnings | $66.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 18.28% | 18.28% | 19.53% | 10.79% | $208.0M |
| Q4 2023 | 18.30% | 18.30% | 19.56% | 10.60% | $208.4M |
| Q1 2024 | 18.72% | 18.72% | 19.98% | 10.99% | $367.6M |
| Q2 2024 | 18.90% | 18.90% | 20.15% | 10.92% | $369.3M |
| Q3 2024 | 19.33% | 19.33% | 20.59% | 11.08% | $370.5M |
| Q4 2024 | 18.72% | 18.72% | 19.98% | 11.09% | $385.7M |
| Q1 2025 | 18.83% | 18.83% | 20.08% | 11.31% | $389.3M |
| Q2 2025 | 18.77% | 18.77% | 20.02% | 11.38% | $396.8M |
| Q3 2025 | 19.06% | 19.06% | 20.31% | 11.72% | $402.3M |
| Q4 2025 | 18.02% | 18.02% | 19.28% | 10.89% | $408.1M |
| Q1 2026 | 18.80% | 18.80% | 20.05% | 11.36% | $412.9M |
| Q2 2026 | 19.50% | 19.50% | 20.76% | 11.40% | $413.2M |
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 14597) · FFIEC NIC profile (RSSD 86349)