United Minnesota 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%.
Compared with Q1 2026, Risk-weighted assets rose 5.9% in Q2 2026 to $35.9M, the biggest move on this page. United Minnesota Bank ranks 126th of 161 Minnesota banks on CET1 ratio, in the lower half at 11.86% (Q2 2026). United Minnesota Bank reported 11.86% on CET1 ratio for Q2 2026, 7.71 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.86% |
| Tier 1 risk-based capital ratio | 11.86% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 7.78% |
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 | $4.3M |
| Tier 1 capital | $4.3M |
| Total risk-based capital | $4.6M |
| Total equity capital | $4.3M |
| Risk-weighted assets | $35.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.48% |
| Tangible equity to tangible assets | 7.48% |
| Equity capital to average assets | 7.78% |
| Internal capital growth rate | 22.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $345K |
| Common stock surplus | $3.0M |
| Retained earnings | $947K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 14.43% | 14.43% | 15.28% | 7.73% | $25.6M |
| Q4 2023 | 13.35% | 13.35% | 14.42% | 6.88% | $25.1M |
| Q1 2024 | 13.90% | 13.90% | 14.94% | 7.14% | $25.1M |
| Q2 2024 | 14.24% | 14.24% | 15.24% | 7.70% | $26.2M |
| Q3 2024 | 14.76% | 14.76% | 15.73% | 8.10% | $27.2M |
| Q4 2024 | 13.09% | 13.09% | 14.26% | 7.51% | $28.2M |
| Q1 2025 | 12.79% | 12.79% | 13.93% | 7.34% | $29.1M |
| Q2 2025 | 13.47% | 13.47% | 14.60% | 7.89% | $29.2M |
| Q3 2025 | 12.64% | 12.64% | 13.76% | 8.02% | $31.9M |
| Q4 2025 | 12.43% | 12.43% | 13.48% | 8.02% | $33.1M |
| Q1 2026 | 11.90% | 11.90% | 12.92% | 7.57% | $33.9M |
| Q2 2026 | 11.86% | 11.86% | 12.91% | 7.78% | $35.9M |
United Minnesota Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Minnesota 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 Minnesota Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10567) · FFIEC NIC profile (RSSD 842853)