United Bank & Trust: 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 Accumulated other comprehensive income: 8.2% higher than in Q1 2026, at -$4.1M.
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 | 11.51% |
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 | $103.8M |
| Tier 1 capital | $103.8M |
| Total risk-based capital | — |
| Total equity capital | $106.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.92% |
| Tangible equity to tangible assets | 10.92% |
| Equity capital to average assets | 11.72% |
| Internal capital growth rate | 7.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.0M |
| Common stock surplus | $29.4M |
| Retained earnings | $61.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.63% | 9.36% | 8.22% |
| Q4 2023 | 10.55% | 9.78% | 8.67% |
| Q1 2024 | 10.50% | 9.84% | 8.75% |
| Q2 2024 | 10.60% | 9.86% | 8.78% |
| Q3 2024 | 10.49% | 10.35% | 9.29% |
| Q4 2024 | 10.65% | 10.35% | 9.30% |
| Q1 2025 | 10.88% | 10.91% | 9.85% |
| Q2 2025 | 11.09% | 11.05% | 10.01% |
| Q3 2025 | 11.22% | 11.33% | 10.29% |
| Q4 2025 | 11.27% | 11.29% | 10.29% |
| Q1 2026 | 11.23% | 11.49% | 10.49% |
| Q2 2026 | 11.51% | 11.92% | 10.92% |
United Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17477) · FFIEC NIC profile (RSSD 990352)