United Pacific 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 Retained earnings, which rose 7.3% to $3.1M.
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 | 17.39% |
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 | $30.3M |
| Tier 1 capital | $32.3M |
| Total risk-based capital | — |
| Total equity capital | $32.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.89% |
| Tangible equity to tangible assets | 16.89% |
| Equity capital to average assets | 17.37% |
| Internal capital growth rate | 2.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.1M |
| Common stock surplus | $11.1M |
| Retained earnings | $3.1M |
| Preferred stock and surplus | $2.0M |
| Accumulated other comprehensive income | -$36K |
| 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 | 18.80% | 18.69% | 18.69% |
| Q4 2023 | 19.06% | 19.33% | 19.33% |
| Q1 2024 | 20.01% | 19.70% | 19.70% |
| Q2 2024 | 20.09% | 19.86% | 19.86% |
| Q3 2024 | 20.14% | 20.20% | 20.20% |
| Q4 2024 | 20.16% | 19.47% | 19.47% |
| Q1 2025 | 19.43% | 19.11% | 19.11% |
| Q2 2025 | 18.45% | 17.89% | 17.89% |
| Q3 2025 | 17.66% | 17.05% | 17.05% |
| Q4 2025 | 17.13% | 17.19% | 17.19% |
| Q1 2026 | 17.30% | 17.15% | 17.15% |
| Q2 2026 | 17.39% | 16.89% | 16.89% |
United Pacific Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23805) · FFIEC NIC profile (RSSD 609467)