Union County Savings 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 Total equity capital: 37.2% lower than in Q1 2026, at -$23.5M. Union County Savings Bank ranks 9th of 37 New Jersey banks on CET1 ratio, in the upper half at 20.79% (Q2 2026). Against a median of 13.48% for banks in the $1B-10B asset tier, Union County Savings Bank reported 20.79% on CET1 ratio in Q2 2026, 7.31 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.79% |
| Tier 1 risk-based capital ratio | 20.79% |
| Total risk-based capital ratio | 21.13% |
| Tier 1 leverage ratio | 7.77% |
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 | $130.5M |
| Tier 1 capital | $130.5M |
| Total risk-based capital | $132.5M |
| Total equity capital | -$23.5M |
| Risk-weighted assets | $627.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | -1.59% |
| Tangible equity to tangible assets | -1.59% |
| Equity capital to average assets | -1.40% |
| Internal capital growth rate | 132.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $130.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$153.9M |
| 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 | 32.32% | 32.32% | 32.54% | 11.33% | $605.4M |
| Q4 2023 | 31.31% | 31.31% | 31.55% | 11.28% | $611.8M |
| Q1 2024 | 29.83% | 29.83% | 30.07% | 10.90% | $619.3M |
| Q2 2024 | 28.93% | 28.93% | 29.21% | 10.38% | $614.9M |
| Q3 2024 | 26.98% | 26.98% | 27.26% | 9.44% | $630.7M |
| Q4 2024 | 24.22% | 24.22% | 24.48% | 8.70% | $674.7M |
| Q1 2025 | 24.06% | 24.06% | 24.36% | 8.52% | $652.5M |
| Q2 2025 | 24.22% | 24.22% | 24.53% | 8.63% | $625.2M |
| Q3 2025 | 23.52% | 23.52% | 23.84% | 8.54% | $621.8M |
| Q4 2025 | 23.37% | 23.37% | 23.69% | 8.32% | $604.5M |
| Q1 2026 | 21.76% | 21.76% | 22.08% | 8.10% | $625.7M |
| Q2 2026 | 20.79% | 20.79% | 21.13% | 7.77% | $627.4M |
Union County Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Union County Savings 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 Union County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12013) · FFIEC NIC profile (RSSD 373601)