United Pacific Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 17.39% +8.39 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $32.3M | 32,310 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $185.8M | 185,751 | RCOAA224 |
| Recomputed ratio | 17.39% | numerator / denominator | |
| Filed ratio | 17.39% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.39 pp | $15.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 27,197 | 27,197 | 27,197 | 27,197 | 27,197 | 27,197 | RCOAP742 |
| Retained earnings | 3,113 | 2,902 | 2,738 | 2,612 | 2,381 | 2,167 | RCOAKW00 |
| Accumulated other comprehensive income | (36) | (9) | 34 | 39 | (9) | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,274 | 30,090 | 29,969 | 29,848 | 29,569 | 29,364 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 36 | 9 | (34) | (39) | 9 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 30,310 | 30,099 | 29,935 | 29,809 | 29,578 | 29,364 | RCOAP859 |
| Additional Tier 1 capital | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | RCOAP865 |
| Tier 1 capital | 32,310 | 32,099 | 31,935 | 31,809 | 31,578 | 31,364 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 185,751 | 185,514 | 186,425 | 180,097 | 171,179 | 161,453 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 17.39% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.30% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 17.66% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 18.45% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 19.43% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 20.16% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 20.14% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 20.09% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 20.01% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 19.06% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 22.06% | 23.70% | 24.96% | 18.80% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| United Pacific Bank (this bank) | CBLR | NA | NA | NA | 17.39% | |
| The Haverford Trust Company | $191.0M | CBLR | NA | NA | NA | 22.49% |
| Pioneer Community Bank, Inc. | $191.1M | CBLR | NA | NA | NA | 13.58% |
| Progressive Ozark Bank | $190.9M | Risk-based | 13.45% | 13.45% | 14.69% | 9.78% |
| Bristol Morgan Bank | $191.2M | Risk-based | 13.78% | 13.78% | 15.03% | 10.25% |
| Independence Bank | $191.2M | CBLR | NA | NA | NA | 14.46% |
| CBL State Savings Bank | $191.3M | CBLR | NA | NA | NA | 15.93% |
| The First National Bank and Trust Company of Miami | $191.4M | CBLR | NA | NA | NA | 13.42% |
| Citizens State Bank | $190.6M | CBLR | NA | NA | NA | 12.04% |
| Garden Plain State Bank | $191.5M | Risk-based | 25.80% | 25.80% | 26.63% | 15.24% |
| Farmers Trust and Savings Bank | $191.6M | CBLR | NA | NA | NA | 23.08% |
| Peer 25th percentile | 13.62% | 13.62% | 14.86% | 12.39% | ||
| Peer median | 13.78% | 13.78% | 15.03% | 14.02% | ||
| Peer 75th percentile | 19.79% | 19.79% | 20.83% | 15.76% | ||
| This bank's percentile | NA | NA | NA | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/609467/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.