United 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%.
Accumulated other comprehensive income rose 3.9% from Q1 2026 to Q2 2026, ending at -$142.1M against -$147.8M. It was the largest change among the key lines on this page. United Bank ranks 27th of 44 Virginia banks on CET1 ratio, in the lower half at 13.69% (Q2 2026). United Bank reported 13.69% on CET1 ratio for Q2 2026, 0.73 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.69% |
| Tier 1 risk-based capital ratio | 13.69% |
| Total risk-based capital ratio | 14.91% |
| Tier 1 leverage ratio | 11.60% |
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 | $3.69B |
| Tier 1 capital | $3.69B |
| Total risk-based capital | $4.02B |
| Total equity capital | $5.62B |
| Risk-weighted assets | $26.96B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.69% |
| Tangible equity to tangible assets | 11.25% |
| Equity capital to average assets | 16.61% |
| Internal capital growth rate | 1.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $4.25B |
| Retained earnings | $1.51B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$142.1M |
| 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 | 13.15% | 13.15% | 14.18% | 11.44% | $23.98B |
| Q4 2023 | 13.32% | 13.32% | 14.36% | 11.53% | $23.96B |
| Q1 2024 | 13.39% | 13.39% | 14.53% | 11.54% | $23.98B |
| Q2 2024 | 13.64% | 13.64% | 14.80% | 11.74% | $23.88B |
| Q3 2024 | 13.95% | 13.95% | 15.11% | 11.85% | $23.68B |
| Q4 2024 | 14.26% | 14.26% | 15.43% | 11.83% | $23.47B |
| Q1 2025 | 13.52% | 13.52% | 14.77% | 11.53% | $25.87B |
| Q2 2025 | 13.72% | 13.72% | 14.95% | 11.57% | $25.90B |
| Q3 2025 | 13.65% | 13.65% | 14.85% | 11.55% | $26.37B |
| Q4 2025 | 13.75% | 13.75% | 14.95% | 11.53% | $26.53B |
| Q1 2026 | 13.64% | 13.64% | 14.84% | 11.54% | $26.90B |
| Q2 2026 | 13.69% | 13.69% | 14.91% | 11.60% | $26.96B |
United Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22858) · FFIEC NIC profile (RSSD 365325)