United Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.51% +2.51 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $103.8M | 103,759 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $901.5M | 901,522 | RCOAA224 |
| Recomputed ratio | 11.51% | numerator / denominator | |
| Filed ratio | 11.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.51 pp | $22.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 49,400 | 49,400 | 49,400 | 49,400 | 49,400 | 49,400 | RCOAP742 |
| Retained earnings | 61,147 | 59,093 | 57,255 | 55,744 | 54,558 | 53,369 | RCOAKW00 |
| Accumulated other comprehensive income | (4,073) | (4,439) | (4,378) | (5,482) | (6,769) | (7,930) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 106,474 | 104,054 | 102,277 | 99,662 | 97,189 | 94,839 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,715) | (2,392) | (2,497) | (1,437) | (193) | 918 | P859 - P840 |
| Common equity Tier 1 capital | 103,759 | 101,662 | 99,780 | 98,225 | 96,996 | 95,757 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 103,759 | 101,662 | 99,780 | 98,225 | 96,996 | 95,757 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 901,522 | 905,562 | 885,251 | 875,609 | 874,472 | 879,763 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.51% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.23% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.27% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.22% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.09% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.88% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.49% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.60% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.50% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.55% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.63% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| United Bank & Trust (this bank) | CBLR | NA | NA | NA | 11.51% | |
| Southwest Heritage Bank | $892.8M | Risk-based | 15.11% | 15.11% | 16.25% | 13.36% |
| First Southern State Bank | $893.5M | CBLR | NA | NA | NA | 10.59% |
| Seattle Bank | $891.4M | Risk-based | 13.25% | 13.25% | 14.51% | 10.29% |
| 21st Century Bank | $894.8M | Risk-based | 14.71% | 14.71% | 15.70% | 10.66% |
| The Savings Bank | $891.0M | CBLR | NA | NA | NA | 9.45% |
| Traditions Bank | $890.9M | Risk-based | 13.60% | 13.60% | 14.85% | 10.50% |
| Central State Bank | $890.7M | CBLR | NA | NA | NA | 8.98% |
| The First State Bank | $895.2M | CBLR | NA | NA | NA | 10.58% |
| Titan Bank, N.A. | $895.2M | Risk-based | 35.50% | 35.50% | 36.75% | 9.48% |
| Peer 25th percentile | 13.60% | 13.60% | 14.85% | 9.48% | ||
| Peer median | 14.71% | 14.71% | 15.70% | 10.50% | ||
| Peer 75th percentile | 15.11% | 15.11% | 16.25% | 10.59% | ||
| This bank's percentile | NA | NA | NA | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/990352/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.