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.
Total risk-based capital ratio climbed 3.16 percentage points in Q2 2026, from 27.64% to 30.80%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Union State Bank is 10th of 86 on CET1 ratio, 28.19% as of Q2 2026. Union State Bank reported 28.19% on CET1 ratio for Q2 2026, 8.22 points above the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.19% |
| Tier 1 risk-based capital ratio | 28.19% |
| Total risk-based capital ratio | 30.80% |
| Tier 1 leverage ratio | 12.65% |
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 | $5.8M |
| Tier 1 capital | $5.8M |
| Total risk-based capital | $6.3M |
| Total equity capital | $5.1M |
| Risk-weighted assets | $20.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.44% |
| Tangible equity to tangible assets | 11.44% |
| Equity capital to average assets | 11.13% |
| Internal capital growth rate | 12.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $300K |
| Retained earnings | $5.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$691K |
| 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 | 31.33% | 31.33% | 32.62% | 13.51% | $15.8M |
| Q4 2023 | 27.49% | 27.49% | 28.77% | 12.76% | $17.6M |
| Q1 2024 | 30.22% | 30.22% | 31.50% | 13.08% | $16.2M |
| Q2 2024 | 30.78% | 30.78% | 32.07% | 12.91% | $16.1M |
| Q3 2024 | 31.43% | 31.43% | 32.72% | 13.09% | $16.1M |
| Q4 2024 | 26.35% | 26.35% | 27.62% | 12.94% | $19.4M |
| Q1 2025 | 27.36% | 27.36% | 28.64% | 12.89% | $19.1M |
| Q2 2025 | 29.30% | 29.30% | 30.59% | 12.98% | $18.3M |
| Q3 2025 | 28.60% | 28.60% | 29.88% | 13.29% | $19.1M |
| Q4 2025 | 25.75% | 25.75% | 27.02% | 13.04% | $21.3M |
| Q1 2026 | 26.36% | 26.36% | 27.64% | 12.81% | $21.2M |
| Q2 2026 | 28.19% | 28.19% | 30.80% | 12.65% | $20.4M |
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 15098) · FFIEC NIC profile (RSSD 866251)