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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.4% to $163.6M. United Bank ranks 4th of 36 Alabama banks on CET1 ratio, in the upper half at 20.70% (Q2 2026). Against a median of 13.48% for banks in the $1B-10B asset tier, United Bank reported 20.70% on CET1 ratio in Q2 2026, 7.23 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.70% |
| Tier 1 risk-based capital ratio | 20.70% |
| Total risk-based capital ratio | 21.86% |
| Tier 1 leverage ratio | 15.79% |
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 | $233.6M |
| Tier 1 capital | $233.6M |
| Total risk-based capital | $246.6M |
| Total equity capital | $221.1M |
| Risk-weighted assets | $1.13B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.93% |
| Tangible equity to tangible assets | 14.54% |
| Equity capital to average assets | 14.87% |
| Internal capital growth rate | 10.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $778K |
| Common stock surplus | $76.1M |
| Retained earnings | $163.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.4M |
| 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 | 16.16% | 16.16% | 17.41% | 11.94% | $882.6M |
| Q4 2023 | 17.19% | 17.19% | 18.44% | 12.48% | $886.2M |
| Q1 2024 | 17.48% | 17.48% | 18.73% | 12.88% | $904.1M |
| Q2 2024 | 17.57% | 17.57% | 18.82% | 13.37% | $927.1M |
| Q3 2024 | 19.36% | 19.36% | 20.61% | 14.41% | $1.00B |
| Q4 2024 | 20.07% | 20.07% | 21.32% | 14.46% | $1.02B |
| Q1 2025 | 20.36% | 20.36% | 21.62% | 14.70% | $1.03B |
| Q2 2025 | 20.55% | 20.55% | 21.77% | 14.89% | $1.05B |
| Q3 2025 | 20.32% | 20.32% | 21.48% | 15.20% | $1.08B |
| Q4 2025 | 20.74% | 20.74% | 21.89% | 15.38% | $1.08B |
| Q1 2026 | 20.87% | 20.87% | 22.06% | 15.49% | $1.09B |
| Q2 2026 | 20.70% | 20.70% | 21.86% | 15.79% | $1.13B |
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 58) · FFIEC NIC profile (RSSD 994435)