Union Federal Savings and Loan Association: 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%.
In Q2 2026, Equity capital to total assets edged up by 0.14 percentage points, from 16.13% to 16.28%, the largest move among the key lines here.
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 | 16.53% |
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 | $24.1M |
| Tier 1 capital | $24.1M |
| Total risk-based capital | — |
| Total equity capital | $23.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.28% |
| Tangible equity to tangible assets | 16.28% |
| Equity capital to average assets | 16.27% |
| Internal capital growth rate | 2.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $24.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$380K |
| 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 | 15.35% | 14.82% | 14.75% |
| Q4 2023 | 15.42% | 15.14% | 15.08% |
| Q1 2024 | 15.46% | 15.13% | 15.07% |
| Q2 2024 | 15.40% | 15.18% | 15.14% |
| Q3 2024 | 15.60% | 15.43% | 15.39% |
| Q4 2024 | 15.72% | 15.36% | 15.33% |
| Q1 2025 | 15.88% | 15.62% | 15.59% |
| Q2 2025 | 16.02% | 16.01% | 16.00% |
| Q3 2025 | 16.26% | 16.12% | 16.12% |
| Q4 2025 | 16.52% | 16.25% | 16.25% |
| Q1 2026 | 16.63% | 16.13% | 16.13% |
| Q2 2026 | 16.53% | 16.28% | 16.28% |
Union Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Federal Savings and Loan Association, 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 Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27767) · FFIEC NIC profile (RSSD 656779)