United Prairie 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%.
Retained earnings climbed 11.3% in Q2 2026, from $27.3M to $30.4M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.68% |
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 | $92.0M |
| Tier 1 capital | $92.0M |
| Total risk-based capital | — |
| Total equity capital | $96.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.22% |
| Tangible equity to tangible assets | 9.37% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | 13.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $70.3M |
| Retained earnings | $30.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 10.56% | 10.56% | 11.56% | 9.62% | $760.0M |
| Q4 2023 | 10.42% | 10.42% | 11.37% | 9.68% | $793.9M |
| Q1 2024 | 10.17% | 10.17% | 11.14% | 9.32% | $792.2M |
| Q2 2024 | 10.13% | 10.13% | 11.10% | 9.36% | $816.2M |
| Q3 2024 | 10.27% | 10.27% | 11.26% | 9.29% | $818.2M |
| Q4 2024 | 10.33% | 10.33% | 11.34% | 9.45% | $831.3M |
| Q1 2025 | 10.07% | 10.07% | 11.07% | 8.97% | $825.7M |
| Q2 2025 | 10.20% | 10.20% | 11.22% | 9.33% | $835.4M |
| Q3 2025 | 10.35% | 10.35% | 11.25% | 9.37% | $835.7M |
| Q4 2025 | 10.31% | 10.31% | 11.17% | 9.62% | $871.8M |
| Q1 2026 | 10.27% | 10.27% | 11.19% | 9.34% | $865.2M |
| Q2 2026 | — | — | — | 9.68% | — |
United Prairie Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Prairie 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 Prairie Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10958) · FFIEC NIC profile (RSSD 712059)