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 dropped 10.8% in Q2 2026, from -$18.9M to -$20.9M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, United Bank is 11th of 79 on CET1 ratio, 24.35% as of Q2 2026, above the middle of the field. Against a median of 13.48% for banks in the $1B-10B asset tier, United Bank reported 24.35% on CET1 ratio in Q2 2026, 10.88 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.35% |
| Tier 1 risk-based capital ratio | 24.35% |
| Total risk-based capital ratio | 25.61% |
| Tier 1 leverage ratio | 12.75% |
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 | $277.9M |
| Tier 1 capital | $277.9M |
| Total risk-based capital | $292.3M |
| Total equity capital | $260.0M |
| Risk-weighted assets | $1.14B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.04% |
| Tangible equity to tangible assets | 11.92% |
| Equity capital to average assets | 11.91% |
| Internal capital growth rate | 21.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $60.0M |
| Retained earnings | $219.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.9M |
| 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 | 21.87% | 21.87% | 23.12% | 10.30% | $1.05B |
| Q4 2023 | 23.17% | 23.17% | 24.42% | 10.96% | $1.05B |
| Q1 2024 | 25.02% | 25.02% | 26.28% | 11.92% | $1.04B |
| Q2 2024 | 24.17% | 24.17% | 25.43% | 11.78% | $1.05B |
| Q3 2024 | 25.24% | 25.24% | 26.49% | 12.61% | $1.06B |
| Q4 2024 | 25.10% | 25.10% | 26.35% | 12.55% | $1.08B |
| Q1 2025 | 26.11% | 26.11% | 27.36% | 13.22% | $1.10B |
| Q2 2025 | 24.85% | 24.85% | 26.11% | 12.59% | $1.09B |
| Q3 2025 | 25.87% | 25.87% | 27.13% | 13.18% | $1.10B |
| Q4 2025 | 22.90% | 22.90% | 24.15% | 11.24% | $1.09B |
| Q1 2026 | 23.48% | 23.48% | 24.74% | 11.94% | $1.13B |
| Q2 2026 | 24.35% | 24.35% | 25.61% | 12.75% | $1.14B |
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 172) · FFIEC NIC profile (RSSD 37435)