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 standout move of Q2 2026 was in Accumulated other comprehensive income: 12.0% higher than in Q1 2026, at -$9.4M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.49% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $38.6M |
| Tier 1 capital | $38.6M |
| Total risk-based capital | — |
| Total equity capital | $29.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.18% |
| Tangible equity to tangible assets | 8.12% |
| Equity capital to average assets | 7.99% |
| Internal capital growth rate | -3.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $17.3M |
| Retained earnings | $21.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.98% | 4.85% | 4.78% |
| Q4 2023 | 10.12% | 6.83% | 6.76% |
| Q1 2024 | 10.43% | 6.66% | 6.59% |
| Q2 2024 | 10.05% | 6.36% | 6.29% |
| Q3 2024 | 9.97% | 7.14% | 7.07% |
| Q4 2024 | 9.96% | 6.52% | 6.46% |
| Q1 2025 | 10.30% | 6.76% | 6.70% |
| Q2 2025 | 10.18% | 6.98% | 6.91% |
| Q3 2025 | 10.30% | 7.67% | 7.61% |
| Q4 2025 | 10.42% | 8.15% | 8.08% |
| Q1 2026 | 10.65% | 8.03% | 7.97% |
| Q2 2026 | 10.49% | 8.18% | 8.12% |
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 8544) · FFIEC NIC profile (RSSD 847157)