Union State 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.55 percentage points to 7.55%. Within Iowa, Union State Bank is 68th of 114 on CET1 ratio, 13.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Union State Bank sits 2.01 points lower, at 13.06% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.06% |
| Tier 1 risk-based capital ratio | 13.06% |
| Total risk-based capital ratio | 13.67% |
| Tier 1 leverage ratio | 8.12% |
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 | $11.4M |
| Tier 1 capital | $11.4M |
| Total risk-based capital | $11.9M |
| Total equity capital | $10.3M |
| Risk-weighted assets | $87.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.55% |
| Tangible equity to tangible assets | 7.55% |
| Equity capital to average assets | 7.35% |
| Internal capital growth rate | 4.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $399K |
| Common stock surplus | $1.5M |
| Retained earnings | $9.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 12.07% | 12.07% | 12.71% | 7.99% | $86.1M |
| Q4 2023 | 11.51% | 11.51% | 12.14% | 7.62% | $87.5M |
| Q1 2024 | 11.59% | 11.59% | 12.22% | 7.82% | $87.8M |
| Q2 2024 | 11.79% | 11.79% | 12.42% | 7.61% | $86.5M |
| Q3 2024 | 11.60% | 11.60% | 12.20% | 7.90% | $89.2M |
| Q4 2024 | 11.83% | 11.83% | 12.44% | 7.45% | $87.3M |
| Q1 2025 | 11.84% | 11.84% | 12.45% | 8.19% | $88.8M |
| Q2 2025 | 11.93% | 11.93% | 12.54% | 7.98% | $87.5M |
| Q3 2025 | 12.21% | 12.21% | 12.82% | 8.53% | $87.3M |
| Q4 2025 | 12.33% | 12.33% | 12.94% | 7.92% | $88.2M |
| Q1 2026 | 12.67% | 12.67% | 13.26% | 8.46% | $88.9M |
| Q2 2026 | 13.06% | 13.06% | 13.67% | 8.12% | $87.1M |
Union State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14982) · FFIEC NIC profile (RSSD 148340)