Union Bank and Trust Company: 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 155.4% in Q2 2026, from $1.8M to $4.7M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Union Bank and Trust Company is 39th of 57 on CET1 ratio, 12.70% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Union Bank and Trust Company sits 0.78 points lower, at 12.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.70% |
| Tier 1 risk-based capital ratio | 12.71% |
| Total risk-based capital ratio | 13.96% |
| Tier 1 leverage ratio | 10.65% |
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 | $986.1M |
| Tier 1 capital | $986.4M |
| Total risk-based capital | $1.08B |
| Total equity capital | $999.2M |
| Risk-weighted assets | $7.76B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.82% |
| Tangible equity to tangible assets | 10.72% |
| Equity capital to average assets | 10.78% |
| Internal capital growth rate | 16.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $14.9M |
| Common stock surplus | $103.9M |
| Retained earnings | $875.5M |
| Preferred stock and surplus | $300K |
| Accumulated other comprehensive income | $4.7M |
| 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 | 11.21% | 11.22% | 12.48% | 9.24% | $6.71B |
| Q4 2023 | 11.43% | 11.43% | 12.69% | 9.44% | $6.84B |
| Q1 2024 | 11.58% | 11.59% | 12.84% | 9.54% | $6.96B |
| Q2 2024 | 12.06% | 12.06% | 13.31% | 9.94% | $6.93B |
| Q3 2024 | 11.57% | 11.58% | 12.83% | 9.47% | $6.97B |
| Q4 2024 | 11.90% | 11.91% | 13.16% | 9.82% | $7.09B |
| Q1 2025 | 11.64% | 11.64% | 12.90% | 9.39% | $7.17B |
| Q2 2025 | 11.65% | 11.65% | 12.91% | 9.80% | $7.40B |
| Q3 2025 | 12.02% | 12.02% | 13.27% | 9.80% | $7.45B |
| Q4 2025 | 12.37% | 12.37% | 13.63% | 10.39% | $7.64B |
| Q1 2026 | 12.25% | 12.26% | 13.51% | 10.10% | $7.72B |
| Q2 2026 | 12.70% | 12.71% | 13.96% | 10.65% | $7.76B |
Union Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13421) · FFIEC NIC profile (RSSD 450856)