United Business 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%.
Retained earnings dropped 12.7% in Q2 2026, from $85.2M to $74.3M. It was the largest change from Q1 2026 among the key lines here. United Business Bank ranks 48th of 74 California banks on CET1 ratio, in the lower half at 13.76% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; United Business Bank reported 13.76% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.76% |
| Tier 1 risk-based capital ratio | 13.76% |
| Total risk-based capital ratio | 14.87% |
| Tier 1 leverage ratio | 11.66% |
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 | $290.8M |
| Tier 1 capital | $290.8M |
| Total risk-based capital | $314.1M |
| Total equity capital | $326.2M |
| Risk-weighted assets | $2.11B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.72% |
| Tangible equity to tangible assets | 11.33% |
| Equity capital to average assets | 12.86% |
| Internal capital growth rate | -12.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $37.8M |
| Common stock surplus | $221.1M |
| Retained earnings | $74.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.20% | 17.20% | 18.23% | 13.26% | $1.96B |
| Q4 2023 | 16.94% | 16.94% | 18.08% | 13.08% | $1.94B |
| Q1 2024 | 16.91% | 16.91% | 17.87% | 13.41% | $1.99B |
| Q2 2024 | 17.47% | 17.47% | 18.45% | 13.62% | $1.96B |
| Q3 2024 | 16.81% | 16.81% | 17.76% | 13.23% | $1.99B |
| Q4 2024 | 16.94% | 16.94% | 17.86% | 13.42% | $2.02B |
| Q1 2025 | 17.23% | 17.23% | 18.17% | 13.92% | $2.03B |
| Q2 2025 | 17.35% | 17.35% | 18.28% | 14.03% | $2.06B |
| Q3 2025 | 13.54% | 13.54% | 14.56% | 10.88% | $2.09B |
| Q4 2025 | 13.84% | 13.84% | 14.87% | 11.45% | $2.11B |
| Q1 2026 | 14.54% | 14.54% | 15.55% | 11.70% | $2.07B |
| Q2 2026 | 13.76% | 13.76% | 14.87% | 11.66% | $2.11B |
United Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Business 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57716) · FFIEC NIC profile (RSSD 3281510)