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%.
The standout move of Q2 2026 was in Retained earnings: 17.5% higher than in Q1 2026, at $3.4M. Union Bank and Trust Company ranks 52nd of 161 Minnesota banks on CET1 ratio, in the upper half at 16.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Union Bank and Trust Company sits 1.09 points higher, at 16.16% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.16% |
| Tier 1 risk-based capital ratio | 16.16% |
| Total risk-based capital ratio | 17.41% |
| Tier 1 leverage ratio | 10.02% |
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 | $21.9M |
| Tier 1 capital | $21.9M |
| Total risk-based capital | $23.6M |
| Total equity capital | $20.9M |
| Risk-weighted assets | $135.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.25% |
| Tangible equity to tangible assets | 8.25% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 10.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $17.9M |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 16.52% | 16.52% | 17.53% | 9.68% | $109.5M |
| Q4 2023 | 16.84% | 16.84% | 18.10% | 9.75% | $109.2M |
| Q1 2024 | 17.90% | 17.90% | 19.15% | 10.70% | $104.8M |
| Q2 2024 | 18.52% | 18.52% | 19.77% | 11.02% | $102.3M |
| Q3 2024 | 18.06% | 18.06% | 19.32% | 11.00% | $105.8M |
| Q4 2024 | 17.13% | 17.13% | 18.38% | 10.62% | $113.1M |
| Q1 2025 | 15.44% | 15.44% | 16.70% | 11.04% | $126.9M |
| Q2 2025 | 16.96% | 16.96% | 18.21% | 10.87% | $119.3M |
| Q3 2025 | 16.81% | 16.81% | 18.06% | 9.96% | $123.5M |
| Q4 2025 | 17.20% | 17.20% | 18.46% | 9.74% | $124.7M |
| Q1 2026 | 16.71% | 16.71% | 17.96% | 9.91% | $128.2M |
| Q2 2026 | 16.16% | 16.16% | 17.41% | 10.02% | $135.7M |
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 22242) · FFIEC NIC profile (RSSD 689759)