Union National 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%.
Retained earnings rose 7.3% from Q1 2026 to Q2 2026, ending at $21.7M against $20.3M. It was the largest change among the key lines on this page. Union National Bank ranks 70th of 198 Illinois banks on CET1 ratio, in the upper half at 17.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Union National Bank sits 2.62 points higher, at 17.69% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.69% |
| Tier 1 risk-based capital ratio | 17.69% |
| Total risk-based capital ratio | 18.94% |
| Tier 1 leverage ratio | 9.85% |
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 | $40.9M |
| Tier 1 capital | $40.9M |
| Total risk-based capital | $43.8M |
| Total equity capital | $40.9M |
| Risk-weighted assets | $231.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.71% |
| Tangible equity to tangible assets | 9.71% |
| Equity capital to average assets | 9.85% |
| Internal capital growth rate | 14.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $17.6M |
| Retained earnings | $21.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 20.77% | 20.77% | 22.03% | 11.02% | $205.8M |
| Q4 2023 | 15.67% | 15.67% | 16.92% | 10.57% | $240.3M |
| Q1 2024 | 16.26% | 16.26% | 17.51% | 10.68% | $240.0M |
| Q2 2024 | 18.03% | 18.03% | 19.29% | 11.24% | $223.5M |
| Q3 2024 | 19.11% | 19.11% | 20.37% | 11.57% | $218.4M |
| Q4 2024 | 16.76% | 16.76% | 18.01% | 10.13% | $224.9M |
| Q1 2025 | 17.53% | 17.53% | 18.79% | 10.05% | $225.0M |
| Q2 2025 | 17.65% | 17.65% | 18.90% | 10.89% | $233.0M |
| Q3 2025 | 17.84% | 17.84% | 19.09% | 11.27% | $239.3M |
| Q4 2025 | 15.39% | 15.39% | 16.65% | 10.02% | $246.1M |
| Q1 2026 | 17.74% | 17.74% | 18.99% | 10.16% | $222.5M |
| Q2 2026 | 17.69% | 17.69% | 18.94% | 9.85% | $231.4M |
Union National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Union National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3661) · FFIEC NIC profile (RSSD 963730)