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 Risk-weighted assets, which rose 5.0% to $211.3M. Within Iowa, United Community Bank is 95th of 114 on CET1 ratio, 11.41% as of Q2 2026, below the middle of the field. United Community Bank reported 11.41% on CET1 ratio for Q2 2026, 3.67 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.41% |
| Tier 1 risk-based capital ratio | 11.41% |
| Total risk-based capital ratio | 12.66% |
| Tier 1 leverage ratio | 8.45% |
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 | $24.1M |
| Tier 1 capital | $24.1M |
| Total risk-based capital | $26.8M |
| Total equity capital | $26.6M |
| Risk-weighted assets | $211.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.16% |
| Tangible equity to tangible assets | 8.12% |
| Equity capital to average assets | 9.22% |
| Internal capital growth rate | 7.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $15.1M |
| Retained earnings | $12.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$815K |
| 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 | 10.31% | 10.31% | 11.48% | 8.01% | $207.1M |
| Q4 2023 | 10.62% | 10.62% | 11.84% | 8.03% | $203.3M |
| Q1 2024 | 10.62% | 10.62% | 11.87% | 8.18% | $206.3M |
| Q2 2024 | 10.65% | 10.65% | 11.90% | 8.12% | $205.7M |
| Q3 2024 | 10.75% | 10.75% | 12.00% | 8.12% | $203.9M |
| Q4 2024 | 10.96% | 10.96% | 12.21% | 8.12% | $201.3M |
| Q1 2025 | 10.85% | 10.85% | 12.11% | 8.12% | $205.2M |
| Q2 2025 | 10.51% | 10.51% | 11.77% | 8.01% | $213.9M |
| Q3 2025 | 10.74% | 10.74% | 12.00% | 8.12% | $213.2M |
| Q4 2025 | 11.72% | 11.72% | 12.97% | 8.07% | $198.0M |
| Q1 2026 | 11.74% | 11.74% | 12.99% | 8.23% | $201.2M |
| Q2 2026 | 11.41% | 11.41% | 12.66% | 8.45% | $211.3M |
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 13656) · FFIEC NIC profile (RSSD 884648)