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 standout move of Q2 2026 was in Total equity capital: 11.8% higher than in Q1 2026, at $7.0M. Within Kansas, Union State Bank is 41st of 85 on CET1 ratio, 14.96% as of Q2 2026, above the middle of the field. Union State Bank reported 14.96% on CET1 ratio for Q2 2026, 4.60 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.96% |
| Tier 1 risk-based capital ratio | 14.96% |
| Total risk-based capital ratio | 16.07% |
| Tier 1 leverage ratio | 10.36% |
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 | $7.9M |
| Tier 1 capital | $7.9M |
| Total risk-based capital | $8.5M |
| Total equity capital | $7.0M |
| Risk-weighted assets | $52.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.52% |
| Tangible equity to tangible assets | 9.52% |
| Equity capital to average assets | 9.22% |
| Internal capital growth rate | 42.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $520K |
| Retained earnings | $7.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$868K |
| 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 | 13.20% | 13.20% | 14.29% | 8.87% | $44.6M |
| Q4 2023 | 13.33% | 13.33% | 14.44% | 8.58% | $44.5M |
| Q1 2024 | 13.87% | 13.87% | 15.04% | 8.93% | $43.5M |
| Q2 2024 | 13.49% | 13.49% | 14.58% | 9.17% | $46.3M |
| Q3 2024 | 14.42% | 14.42% | 15.62% | 9.28% | $44.4M |
| Q4 2024 | 13.37% | 13.37% | 14.51% | 8.80% | $47.9M |
| Q1 2025 | 14.01% | 14.01% | 15.21% | 9.24% | $47.1M |
| Q2 2025 | 14.18% | 14.18% | 15.38% | 9.48% | $48.2M |
| Q3 2025 | 14.77% | 14.77% | 16.01% | 9.87% | $47.6M |
| Q4 2025 | 13.94% | 13.94% | 15.11% | 9.59% | $50.4M |
| Q1 2026 | 14.15% | 14.15% | 15.33% | 9.73% | $51.2M |
| Q2 2026 | 14.96% | 14.96% | 16.07% | 10.36% | $52.8M |
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 16788) · FFIEC NIC profile (RSSD 206950)