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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Equity capital to total assets: 0.87 percentage points lower than in Q1 2026, at 10.70%. Union State Bank ranks 49th of 86 Kansas banks on CET1 ratio, in the lower half at 14.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Union State Bank sits 1.08 points lower, at 14.00% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.00% |
| Tier 1 risk-based capital ratio | 14.00% |
| Total risk-based capital ratio | 15.11% |
| Tier 1 leverage ratio | 10.25% |
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 | $68.8M |
| Tier 1 capital | $68.8M |
| Total risk-based capital | $74.3M |
| Total equity capital | $77.0M |
| Risk-weighted assets | $491.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.70% |
| Tangible equity to tangible assets | 8.60% |
| Equity capital to average assets | 11.18% |
| Internal capital growth rate | 4.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $20.1M |
| Retained earnings | $65.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.4M |
| 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 | 11.47% | 11.47% | 12.46% | 8.75% | $475.4M |
| Q4 2023 | 12.44% | 12.44% | 13.46% | 9.26% | $476.9M |
| Q1 2024 | 12.32% | 12.32% | 13.36% | 8.58% | $483.3M |
| Q2 2024 | 12.58% | 12.58% | 13.64% | 8.92% | $476.8M |
| Q3 2024 | 12.52% | 12.52% | 13.56% | 8.90% | $484.8M |
| Q4 2024 | 13.03% | 13.03% | 14.08% | 9.28% | $480.6M |
| Q1 2025 | 13.08% | 13.08% | 14.14% | 9.57% | $485.6M |
| Q2 2025 | 13.30% | 13.30% | 14.38% | 9.58% | $483.6M |
| Q3 2025 | 13.42% | 13.42% | 14.50% | 9.79% | $485.5M |
| Q4 2025 | 14.21% | 14.21% | 15.31% | 10.19% | $475.6M |
| Q1 2026 | 14.29% | 14.29% | 15.42% | 10.37% | $475.3M |
| Q2 2026 | 14.00% | 14.00% | 15.11% | 10.25% | $491.4M |
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 1869) · FFIEC NIC profile (RSSD 227151)