Unison 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%.
Retained earnings rose 5.9% from Q1 2026 to Q2 2026, ending at $40.3M against $38.0M. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.02% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $60.3M |
| Tier 1 capital | $60.3M |
| Total risk-based capital | — |
| Total equity capital | $51.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.57% |
| Tangible equity to tangible assets | 7.45% |
| Equity capital to average assets | 8.39% |
| Internal capital growth rate | 18.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $26.6M |
| Retained earnings | $40.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.4M |
| 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 | 11.40% | 11.40% | 12.65% | 8.76% | $440.5M |
| Q4 2023 | 11.18% | 11.18% | 12.44% | 8.31% | $439.8M |
| Q1 2024 | 11.07% | 11.07% | 12.33% | 8.05% | $434.7M |
| Q2 2024 | 11.01% | 11.01% | 12.26% | 8.48% | $450.0M |
| Q3 2024 | 11.20% | 11.20% | 12.45% | 8.82% | $454.2M |
| Q4 2024 | 11.32% | 11.32% | 12.57% | 8.93% | $458.5M |
| Q1 2025 | 11.05% | 11.05% | 12.30% | 8.71% | $461.7M |
| Q2 2025 | 11.15% | 11.15% | 12.40% | 9.04% | $474.2M |
| Q3 2025 | 11.56% | 11.56% | 12.81% | 9.15% | $472.9M |
| Q4 2025 | 12.13% | 12.13% | 13.35% | 9.41% | $464.4M |
| Q1 2026 | 12.28% | 12.28% | 13.40% | 9.62% | $472.2M |
| Q2 2026 | — | — | — | 10.02% | — |
Unison Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unison 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 Unison Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19396) · FFIEC NIC profile (RSSD 676151)