The Union Banking 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.57 percentage points to 2.38%. Among 84 Ohio banks, The Union Banking Company sits 4th from the top on CET1 ratio, 33.90% as of Q2 2026. The Union Banking Company's CET1 ratio of 33.90% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 14.33 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 33.90% |
| Tier 1 risk-based capital ratio | 33.90% |
| Total risk-based capital ratio | 34.34% |
| Tier 1 leverage ratio | 10.77% |
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 | $6.4M |
| Tier 1 capital | $6.4M |
| Total risk-based capital | $6.5M |
| Total equity capital | $1.3M |
| Risk-weighted assets | $18.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.38% |
| Tangible equity to tangible assets | 2.38% |
| Equity capital to average assets | 2.18% |
| Internal capital growth rate | 14.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $485K |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | 35.68% | 35.68% | 36.15% | 10.31% | $17.9M |
| Q4 2023 | 35.74% | 35.74% | 36.12% | 10.41% | $17.8M |
| Q1 2024 | 35.33% | 35.33% | 35.72% | 10.75% | $18.2M |
| Q2 2024 | 35.73% | 35.73% | 36.14% | 10.89% | $18.0M |
| Q3 2024 | 36.07% | 36.07% | 36.49% | 11.00% | $17.7M |
| Q4 2024 | 35.98% | 35.98% | 36.41% | 11.11% | $17.7M |
| Q1 2025 | 36.01% | 36.01% | 36.44% | 11.37% | $17.8M |
| Q2 2025 | 38.23% | 38.23% | 38.70% | 11.20% | $16.8M |
| Q3 2025 | 37.29% | 37.29% | 37.75% | 11.32% | $17.1M |
| Q4 2025 | 37.22% | 37.22% | 37.68% | 11.16% | $17.1M |
| Q1 2026 | 33.99% | 33.99% | 34.40% | 11.12% | $18.8M |
| Q2 2026 | 33.90% | 33.90% | 34.34% | 10.77% | $18.9M |
The Union Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Union Banking 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15326) · FFIEC NIC profile (RSSD 289225)