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%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.93 percentage points higher than in Q1 2026, at 10.80%. Within Arkansas, United Bank is 20th of 37 on CET1 ratio, 13.43% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. United Bank sits 1.64 points lower, at 13.43% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.43% |
| Tier 1 risk-based capital ratio | 13.43% |
| Total risk-based capital ratio | 14.69% |
| Tier 1 leverage ratio | 10.66% |
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 | $32.2M |
| Tier 1 capital | $32.2M |
| Total risk-based capital | $35.3M |
| Total equity capital | $32.0M |
| Risk-weighted assets | $240.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.80% |
| Tangible equity to tangible assets | 10.80% |
| Equity capital to average assets | 10.57% |
| Internal capital growth rate | 6.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $13.3M |
| Retained earnings | $18.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$273K |
| 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 | 12.13% | 12.13% | 13.39% | 9.05% | $207.0M |
| Q4 2023 | 13.58% | 13.58% | 14.83% | 10.37% | $207.7M |
| Q1 2024 | 13.62% | 13.62% | 14.88% | 10.42% | $207.4M |
| Q2 2024 | 12.81% | 12.81% | 14.07% | 10.50% | $223.9M |
| Q3 2024 | 12.75% | 12.75% | 14.00% | 10.28% | $228.1M |
| Q4 2024 | 13.06% | 13.06% | 14.31% | 10.32% | $226.7M |
| Q1 2025 | 12.95% | 12.95% | 14.21% | 10.50% | $232.3M |
| Q2 2025 | 12.54% | 12.54% | 13.80% | 10.40% | $242.6M |
| Q3 2025 | 12.16% | 12.16% | 13.41% | 10.50% | $253.6M |
| Q4 2025 | 12.55% | 12.55% | 13.80% | 10.28% | $248.8M |
| Q1 2026 | 13.09% | 13.09% | 14.34% | 10.37% | $242.4M |
| Q2 2026 | 13.43% | 13.43% | 14.69% | 10.66% | $240.0M |
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 32025) · FFIEC NIC profile (RSSD 539377)