United Mississippi 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, Accumulated other comprehensive income rose 5.2% in Q2 2026 to -$3.3M, the biggest move on this page.
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 | 11.04% |
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 | $61.2M |
| Tier 1 capital | $61.2M |
| Total risk-based capital | — |
| Total equity capital | $64.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.47% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 11.47% |
| Internal capital growth rate | 8.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $835K |
| Common stock surplus | $35.4M |
| Retained earnings | $31.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 13.55% | 11.10% | 10.85% |
| Q4 2023 | 13.55% | 11.89% | 11.63% |
| Q1 2024 | 13.16% | 11.40% | 11.15% |
| Q2 2024 | 13.43% | 11.85% | 11.59% |
| Q3 2024 | 12.88% | 11.80% | 11.56% |
| Q4 2024 | 12.55% | 11.27% | 11.04% |
| Q1 2025 | 10.41% | 10.57% | 9.38% |
| Q2 2025 | 10.57% | 10.82% | 9.66% |
| Q3 2025 | 10.69% | 10.58% | 9.50% |
| Q4 2025 | 10.49% | 11.11% | 10.02% |
| Q1 2026 | 10.77% | 11.15% | 10.10% |
| Q2 2026 | 11.04% | 11.47% | 10.44% |
United Mississippi Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Mississippi 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 Mississippi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21083) · FFIEC NIC profile (RSSD 544335)