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%.
Accumulated other comprehensive income climbed 16.8% in Q2 2026, from -$19.5M to -$16.2M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, United Community Bank is 126th of 198 on CET1 ratio, 13.70% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; United Community Bank reported 13.70% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.70% |
| Tier 1 risk-based capital ratio | 13.70% |
| Total risk-based capital ratio | 14.87% |
| Tier 1 leverage ratio | 10.17% |
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 | $423.6M |
| Tier 1 capital | $423.6M |
| Total risk-based capital | $459.6M |
| Total equity capital | $428.4M |
| Risk-weighted assets | $3.09B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.37% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 10.24% |
| Internal capital growth rate | 14.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $413K |
| Common stock surplus | $196.6M |
| Retained earnings | $247.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.2M |
| 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 | 12.89% | 12.89% | 14.05% | 9.38% | $2.44B |
| Q4 2023 | 12.78% | 12.78% | 13.92% | 9.12% | $2.49B |
| Q1 2024 | 13.09% | 13.09% | 14.25% | 9.48% | $2.50B |
| Q2 2024 | 12.99% | 12.99% | 14.25% | 9.57% | $2.60B |
| Q3 2024 | 12.94% | 12.94% | 14.19% | 9.59% | $2.67B |
| Q4 2024 | 12.83% | 12.83% | 14.08% | 9.52% | $2.78B |
| Q1 2025 | 12.87% | 12.87% | 14.12% | 9.50% | $2.86B |
| Q2 2025 | 13.25% | 13.25% | 14.50% | 9.92% | $2.88B |
| Q3 2025 | 13.52% | 13.52% | 14.74% | 10.06% | $2.92B |
| Q4 2025 | 13.36% | 13.36% | 14.59% | 9.85% | $2.97B |
| Q1 2026 | 13.83% | 13.83% | 15.04% | 9.96% | $2.95B |
| Q2 2026 | 13.70% | 13.70% | 14.87% | 10.17% | $3.09B |
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 19459) · FFIEC NIC profile (RSSD 439338)