The 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 Accumulated other comprehensive income: 16.1% higher than in Q1 2026, at -$3.6M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.12% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $32.0M |
| Tier 1 capital | $32.5M |
| Total risk-based capital | — |
| Total equity capital | $30.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.67% |
| Tangible equity to tangible assets | 9.28% |
| Equity capital to average assets | 9.36% |
| Internal capital growth rate | 11.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $14.5M |
| Retained earnings | $18.6M |
| Preferred stock and surplus | $500K |
| Accumulated other comprehensive income | -$3.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.58% | 8.51% | 7.74% |
| Q4 2023 | 9.75% | 9.26% | 8.56% |
| Q1 2024 | 9.57% | 9.12% | 8.45% |
| Q2 2024 | 9.74% | 9.07% | 8.45% |
| Q3 2024 | 9.76% | 9.45% | 8.87% |
| Q4 2024 | 9.42% | 8.76% | 8.20% |
| Q1 2025 | 9.34% | 8.50% | 7.99% |
| Q2 2025 | 9.52% | 8.54% | 8.06% |
| Q3 2025 | 9.18% | 8.73% | 8.28% |
| Q4 2025 | 9.43% | 8.87% | 8.46% |
| Q1 2026 | 9.58% | 8.80% | 8.40% |
| Q2 2026 | 10.12% | 9.67% | 9.28% |
The Union Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9420) · FFIEC NIC profile (RSSD 852254)