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 Risk-weighted assets, which rose 7.3% to $147.1M. Within Alabama, Union State Bank is 19th of 36 on CET1 ratio, 13.61% as of Q2 2026. Union State Bank reported 13.61% on CET1 ratio for Q2 2026, 1.47 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.61% |
| Tier 1 risk-based capital ratio | 13.61% |
| Total risk-based capital ratio | 14.29% |
| Tier 1 leverage ratio | 9.61% |
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 | $20.0M |
| Tier 1 capital | $20.0M |
| Total risk-based capital | $21.0M |
| Total equity capital | $11.8M |
| Risk-weighted assets | $147.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.56% |
| Tangible equity to tangible assets | 5.56% |
| Equity capital to average assets | 5.66% |
| Internal capital growth rate | 7.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $41K |
| Common stock surplus | $6.0M |
| Retained earnings | $14.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.8M |
| 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 | 14.16% | 14.16% | 14.84% | 8.26% | $128.6M |
| Q4 2023 | 14.16% | 14.16% | 14.84% | 8.33% | $129.0M |
| Q1 2024 | 14.62% | 14.62% | 15.52% | 8.46% | $125.6M |
| Q2 2024 | 13.81% | 13.81% | 14.66% | 8.72% | $133.0M |
| Q3 2024 | 13.73% | 13.73% | 14.59% | 8.45% | $132.0M |
| Q4 2024 | 13.94% | 13.94% | 14.81% | 8.30% | $130.9M |
| Q1 2025 | 13.84% | 13.84% | 14.69% | 8.47% | $131.7M |
| Q2 2025 | 13.30% | 13.30% | 14.09% | 8.52% | $138.4M |
| Q3 2025 | 13.85% | 13.85% | 14.67% | 8.83% | $133.2M |
| Q4 2025 | 14.24% | 14.24% | 14.92% | 9.46% | $138.7M |
| Q1 2026 | 14.47% | 14.47% | 15.15% | 9.55% | $137.1M |
| Q2 2026 | 13.61% | 13.61% | 14.29% | 9.61% | $147.1M |
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 5602) · FFIEC NIC profile (RSSD 467733)