United National 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 Total risk-based capital ratio, which fell 1.38 percentage points to 22.32%. United National Bank ranks 20th of 79 Georgia banks on CET1 ratio, in the upper half at 21.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. United National Bank sits 5.98 points higher, at 21.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.05% |
| Tier 1 risk-based capital ratio | 21.05% |
| Total risk-based capital ratio | 22.32% |
| Tier 1 leverage ratio | 14.77% |
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 | $46.0M |
| Tier 1 capital | $46.0M |
| Total risk-based capital | $48.8M |
| Total equity capital | $45.4M |
| Risk-weighted assets | $218.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.71% |
| Tangible equity to tangible assets | 14.71% |
| Equity capital to average assets | 14.58% |
| Internal capital growth rate | -10.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $4.6M |
| Retained earnings | $37.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$589K |
| 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 | 21.14% | 21.14% | 22.41% | 14.64% | $195.0M |
| Q4 2023 | 22.89% | 22.89% | 24.15% | 14.75% | $185.3M |
| Q1 2024 | 22.69% | 22.69% | 23.96% | 15.58% | $192.4M |
| Q2 2024 | 20.90% | 20.90% | 22.16% | 15.25% | $203.3M |
| Q3 2024 | 20.55% | 20.55% | 21.81% | 15.40% | $210.9M |
| Q4 2024 | 22.05% | 22.05% | 23.31% | 15.12% | $201.7M |
| Q1 2025 | 22.94% | 22.94% | 24.21% | 15.36% | $198.6M |
| Q2 2025 | 21.82% | 21.82% | 23.09% | 14.84% | $203.0M |
| Q3 2025 | 22.04% | 22.04% | 23.31% | 14.70% | $205.8M |
| Q4 2025 | 22.47% | 22.47% | 23.73% | 14.79% | $207.0M |
| Q1 2026 | 22.43% | 22.43% | 23.70% | 14.95% | $210.5M |
| Q2 2026 | 21.05% | 21.05% | 22.32% | 14.77% | $218.6M |
United National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35427) · FFIEC NIC profile (RSSD 2914727)