United Community 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.3% to $577.3M. United Community Bank ranks 25th of 30 South Carolina banks on CET1 ratio, in the lower half at 12.09% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. United Community Bank sits 0.86 points lower, at 12.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 12.93% |
| Tier 1 leverage ratio | 9.52% |
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 | $2.62B |
| Tier 1 capital | $2.62B |
| Total risk-based capital | $2.80B |
| Total equity capital | $3.42B |
| Risk-weighted assets | $21.64B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.81% |
| Tangible equity to tangible assets | 8.76% |
| Equity capital to average assets | 12.03% |
| Internal capital growth rate | 4.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $850K |
| Common stock surplus | $3.00B |
| Retained earnings | $577.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$154.0M |
| 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 | 12.26% | 12.26% | 13.25% | 9.43% | $20.04B |
| Q4 2023 | 12.22% | 12.22% | 13.23% | 9.17% | $19.93B |
| Q1 2024 | 12.60% | 12.60% | 13.63% | 9.50% | $19.86B |
| Q2 2024 | 12.90% | 12.90% | 13.95% | 9.66% | $19.62B |
| Q3 2024 | 13.06% | 13.06% | 14.08% | 9.62% | $19.35B |
| Q4 2024 | 13.05% | 13.05% | 14.08% | 9.46% | $19.58B |
| Q1 2025 | 12.68% | 12.68% | 13.74% | 9.37% | $19.84B |
| Q2 2025 | 12.60% | 12.60% | 13.66% | 9.48% | $20.39B |
| Q3 2025 | 12.48% | 12.48% | 13.53% | 9.52% | $20.70B |
| Q4 2025 | 12.34% | 12.34% | 13.37% | 9.42% | $20.93B |
| Q1 2026 | 12.19% | 12.19% | 13.21% | 9.50% | $21.16B |
| Q2 2026 | 12.09% | 12.09% | 12.93% | 9.52% | $21.64B |
United Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16889) · FFIEC NIC profile (RSSD 1017939)