United Midwest Savings Bank, N.A.: 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 Equity capital to average assets, which fell 0.36 percentage points to 13.63%. United Midwest Savings Bank, N.A. ranks 22nd of 84 Ohio banks on CET1 ratio, in the upper half at 18.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. United Midwest Savings Bank, N.A. sits 3.34 points higher, at 18.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.41% |
| Tier 1 risk-based capital ratio | 18.41% |
| Total risk-based capital ratio | 19.68% |
| Tier 1 leverage ratio | 12.93% |
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 | $66.9M |
| Tier 1 capital | $66.9M |
| Total risk-based capital | $71.5M |
| Total equity capital | $71.1M |
| Risk-weighted assets | $363.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.59% |
| Tangible equity to tangible assets | 12.85% |
| Equity capital to average assets | 13.63% |
| Internal capital growth rate | -3.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $910K |
| Common stock surplus | $24.8M |
| Retained earnings | $45.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$177K |
| 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 | 18.44% | 18.44% | 19.70% | 12.06% | $306.6M |
| Q4 2023 | 19.50% | 19.50% | 20.76% | 12.43% | $300.6M |
| Q1 2024 | 19.46% | 19.46% | 20.72% | 12.62% | $310.7M |
| Q2 2024 | 19.44% | 19.44% | 20.71% | 12.44% | $310.4M |
| Q3 2024 | 19.92% | 19.92% | 21.19% | 12.82% | $313.1M |
| Q4 2024 | 19.55% | 19.55% | 20.82% | 12.97% | $323.0M |
| Q1 2025 | 19.44% | 19.44% | 20.71% | 13.59% | $336.7M |
| Q2 2025 | 20.12% | 20.12% | 21.39% | 13.58% | $326.9M |
| Q3 2025 | 19.35% | 19.35% | 20.61% | 13.11% | $336.7M |
| Q4 2025 | 19.17% | 19.17% | 20.44% | 13.01% | $340.3M |
| Q1 2026 | 18.98% | 18.98% | 20.25% | 13.28% | $355.8M |
| Q2 2026 | 18.41% | 18.41% | 19.68% | 12.93% | $363.4M |
United Midwest Savings Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Midwest Savings Bank, N.A., 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 Midwest Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32441) · FFIEC NIC profile (RSSD 809276)