United Bank of Iowa: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.17 percentage points between Q1 2026 and Q2 2026, to 9.18%.
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 | 10.34% |
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 | $264.0M |
| Tier 1 capital | $264.0M |
| Total risk-based capital | — |
| Total equity capital | $229.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.18% |
| Tangible equity to tangible assets | 8.67% |
| Equity capital to average assets | 8.92% |
| Internal capital growth rate | 0.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $47.1M |
| Retained earnings | $230.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$48.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.14% | 6.17% | 5.58% |
| Q4 2023 | 9.14% | 7.26% | 6.69% |
| Q1 2024 | 9.36% | 7.29% | 6.72% |
| Q2 2024 | 9.51% | 7.50% | 6.93% |
| Q3 2024 | 9.57% | 8.03% | 7.49% |
| Q4 2024 | 9.58% | 7.78% | 7.22% |
| Q1 2025 | 9.80% | 8.03% | 7.50% |
| Q2 2025 | 9.78% | 8.50% | 7.97% |
| Q3 2025 | 10.14% | 8.75% | 8.23% |
| Q4 2025 | 10.08% | 8.98% | 8.47% |
| Q1 2026 | 10.41% | 9.01% | 8.51% |
| Q2 2026 | 10.34% | 9.18% | 8.67% |
United Bank of Iowa regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Iowa, 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 of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 958) · FFIEC NIC profile (RSSD 738040)