United Prairie 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 9.68% +0.68 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 | $92.0M | 91,972 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $949.7M | 949,691 | RCOAA224 |
| Recomputed ratio | 9.68% | numerator / denominator | |
| Filed ratio | 9.68% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.68 pp | $6.5M | 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 | 70,375 | 70,375 | 70,375 | 70,375 | 70,375 | 70,375 | RCOAP742 |
| Retained earnings | 30,414 | 27,327 | 28,352 | 24,952 | 23,622 | 21,621 | RCOAKW00 |
| Accumulated other comprehensive income | (4,757) | (5,097) | (3,841) | (4,290) | (6,606) | (7,200) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 96,032 | 92,605 | 94,886 | 91,037 | 87,391 | 84,796 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (4,060) | (3,720) | (4,976) | (4,527) | (2,211) | (1,617) | P859 - P840 |
| Common equity Tier 1 capital | 91,972 | 88,885 | 89,910 | 86,510 | 85,180 | 83,179 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 91,972 | 88,885 | 89,910 | 86,510 | 85,180 | 83,179 | RCOA8274 |
| Tier 2 capital | NA | 7,968 | 7,438 | 7,541 | 8,552 | 8,209 | |
| Allowance includable in Tier 2 capital | NA | 7,968 | 7,438 | 7,541 | 8,552 | 8,209 | |
| Total capital | NA | 96,853 | 97,348 | 94,051 | 93,732 | 91,388 | |
| Total risk-weighted assets | NA | 865,157 | 871,825 | 835,683 | 835,426 | 825,732 | |
| Average total assets for the leverage ratio | 949,691 | 951,982 | 934,879 | 923,437 | 913,221 | 927,256 | 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 | 9.68% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.27% | 10.27% | 11.19% | 9.34% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.31% | 10.31% | 11.17% | 9.62% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.35% | 10.35% | 11.25% | 9.37% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.20% | 10.20% | 11.22% | 9.33% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.07% | 10.07% | 11.07% | 8.97% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.33% | 10.33% | 11.34% | 9.45% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.27% | 10.27% | 11.26% | 9.29% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.13% | 10.13% | 11.10% | 9.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.17% | 10.17% | 11.14% | 9.32% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.42% | 10.42% | 11.37% | 9.68% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.56% | 10.56% | 11.56% | 9.62% | 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 Prairie Bank (this bank) | CBLR | NA | NA | NA | 9.68% | |
| Bank of Botetourt | $939.4M | CBLR | NA | NA | NA | 11.00% |
| Security Bank | $939.0M | Risk-based | 13.34% | 13.34% | 14.60% | 11.84% |
| FNB Oxford Bank | $939.7M | CBLR | NA | NA | NA | 11.87% |
| Pinnacle Bank | $937.0M | Risk-based | 16.45% | 16.45% | 17.54% | 11.88% |
| Atlantic Community Bankers Bank | $942.0M | Risk-based | 20.38% | 20.38% | 21.70% | 15.76% |
| Texas Heritage National Bank | $936.4M | Risk-based | 11.14% | 11.14% | 12.35% | 10.17% |
| New Peoples Bank, Inc. | $942.5M | Risk-based | 15.48% | 15.48% | 16.73% | 11.17% |
| The Farmers Bank | $942.8M | Risk-based | 20.50% | 20.50% | 21.66% | 15.09% |
| First Commerce Bank | $935.1M | CBLR | NA | NA | NA | 10.21% |
| American Plus Bank, N.A. | $935.0M | CBLR | NA | NA | NA | 16.46% |
| Peer 25th percentile | 13.87% | 13.87% | 15.13% | 11.04% | ||
| Peer median | 15.97% | 15.97% | 17.14% | 11.86% | ||
| Peer 75th percentile | 19.40% | 19.40% | 20.63% | 14.29% | ||
| This bank's percentile | NA | NA | NA | 0 |
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/712059/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.