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 Q2 2026 and Q3 2026 was in Total equity capital, which fell 4.5% to $22.3M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.62% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $15.2M |
| Tier 1 capital | $15.2M |
| Total risk-based capital | — |
| Total equity capital | $22.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 13.61% |
| Tangible equity to tangible assets | 8.64% |
| Equity capital to average assets | 13.35% |
| Internal capital growth rate | 3.23% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $113K |
| Common stock surplus | $16.0M |
| Retained earnings | $7.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | — | — | — | 10.42% | — |
| Q1 2024 | 13.35% | 13.35% | 14.30% | 8.54% | $73.9M |
| Q2 2024 | 13.58% | 13.58% | 14.53% | 8.56% | $74.3M |
| Q3 2024 | 13.40% | 13.40% | 14.32% | 8.33% | $77.0M |
| Q4 2024 | 13.53% | 13.53% | 14.30% | 8.40% | $94.8M |
| Q1 2025 | 13.86% | 13.86% | 14.61% | 8.60% | $96.4M |
| Q2 2025 | 13.64% | 13.64% | 14.40% | 8.77% | $98.2M |
| Q3 2025 | — | — | — | 9.03% | — |
| Q4 2025 | — | — | — | 9.00% | — |
| Q1 2026 | — | — | — | 9.10% | — |
| Q2 2026 | — | — | — | 9.28% | — |
| Q3 2026 | — | — | — | 9.62% | — |
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 8499) · FFIEC NIC profile (RSSD 746942)