United Bankers' 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%.
Accumulated other comprehensive income climbed 9.1% in Q2 2026, from -$4.0M to -$3.6M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, United Bankers' Bank is 43rd of 161 on CET1 ratio, 17.12% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. United Bankers' Bank sits 3.64 points higher, at 17.12% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.12% |
| Tier 1 risk-based capital ratio | 17.12% |
| Total risk-based capital ratio | 18.37% |
| Tier 1 leverage ratio | 14.46% |
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 | $150.7M |
| Tier 1 capital | $150.7M |
| Total risk-based capital | $161.7M |
| Total equity capital | $147.0M |
| Risk-weighted assets | $880.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.99% |
| Tangible equity to tangible assets | 13.99% |
| Equity capital to average assets | 14.11% |
| Internal capital growth rate | 12.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $77.8M |
| Retained earnings | $69.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 14.61% | 14.61% | 15.86% | 11.76% | $927.9M |
| Q4 2023 | 14.67% | 14.67% | 15.92% | 11.94% | $919.1M |
| Q1 2024 | 15.04% | 15.04% | 16.29% | 11.48% | $899.0M |
| Q2 2024 | 15.19% | 15.19% | 16.44% | 12.18% | $904.2M |
| Q3 2024 | 16.43% | 16.43% | 17.68% | 12.07% | $840.0M |
| Q4 2024 | 16.44% | 16.44% | 17.69% | 13.00% | $841.1M |
| Q1 2025 | 16.66% | 16.66% | 17.91% | 13.60% | $837.6M |
| Q2 2025 | 15.98% | 15.98% | 17.23% | 13.61% | $881.1M |
| Q3 2025 | 15.86% | 15.86% | 17.11% | 13.23% | $898.5M |
| Q4 2025 | 16.11% | 16.11% | 17.36% | 13.27% | $896.5M |
| Q1 2026 | 16.60% | 16.60% | 17.86% | 13.66% | $880.0M |
| Q2 2026 | 17.12% | 17.12% | 18.37% | 14.46% | $880.2M |
United Bankers' Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bankers' 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 Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22180) · FFIEC NIC profile (RSSD 930358)