The Union Bank 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 Common stock surplus: 115.0% higher than in Q1 2026, at $50.6M. The Union Bank Company ranks 35th of 84 Ohio banks on CET1 ratio, in the upper half at 15.13% (Q2 2026). The Union Bank Company reported 15.13% on CET1 ratio for Q2 2026, 1.65 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.13% |
| Tier 1 risk-based capital ratio | 15.13% |
| Total risk-based capital ratio | 16.12% |
| Tier 1 leverage ratio | 10.78% |
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 | $144.3M |
| Tier 1 capital | $144.3M |
| Total risk-based capital | $153.8M |
| Total equity capital | $151.4M |
| Risk-weighted assets | $953.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.49% |
| Tangible equity to tangible assets | 8.66% |
| Equity capital to average assets | 11.08% |
| Internal capital growth rate | 3.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $840K |
| Common stock surplus | $50.6M |
| Retained earnings | $121.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.8M |
| 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 | 15.39% | 15.39% | 16.64% | 10.00% | $710.3M |
| Q4 2023 | 15.60% | 15.60% | 16.85% | 10.04% | $704.0M |
| Q1 2024 | 15.86% | 15.86% | 17.11% | 10.17% | $691.2M |
| Q2 2024 | 15.51% | 15.51% | 16.77% | 10.00% | $708.4M |
| Q3 2024 | 15.97% | 15.97% | 17.22% | 9.17% | $692.8M |
| Q4 2024 | 15.34% | 15.34% | 16.51% | 9.07% | $730.1M |
| Q1 2025 | 15.40% | 15.40% | 16.60% | 9.52% | $741.4M |
| Q2 2025 | 15.48% | 15.48% | 16.69% | 9.63% | $752.7M |
| Q3 2025 | 15.68% | 15.68% | 16.88% | 9.98% | $762.8M |
| Q4 2025 | 15.44% | 15.44% | 16.62% | 9.98% | $783.6M |
| Q1 2026 | 14.49% | 14.49% | 15.66% | 9.73% | $803.9M |
| Q2 2026 | 15.13% | 15.13% | 16.12% | 10.78% | $953.9M |
The Union Bank Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Union Bank 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 The Union Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12969) · FFIEC NIC profile (RSSD 780218)