United Savings 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 17.44% +8.44 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 | $80.5M | 80,492 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $461.6M | 461,559 | RCOAA224 |
| Recomputed ratio | 17.44% | numerator / denominator | |
| Filed ratio | 17.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.44 pp | $39.0M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 83,980 | 82,917 | 82,074 | 81,023 | 79,973 | 78,871 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 83,980 | 82,917 | 82,074 | 81,023 | 79,973 | 78,871 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,488) | (3,394) | (3,300) | (3,242) | (3,168) | (3,094) | P859 - P840 |
| Common equity Tier 1 capital | 80,492 | 79,523 | 78,774 | 77,781 | 76,805 | 75,777 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 80,492 | 79,523 | 78,774 | 77,781 | 76,805 | 75,777 | 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 | 461,559 | 454,069 | 453,684 | 452,446 | 441,946 | 438,002 | 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 | 17.44% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.51% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.36% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 17.19% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 17.38% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 17.30% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.83% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.47% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 16.37% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 16.16% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.68% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.31% | 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 Savings Bank (this bank) | CBLR | NA | NA | NA | 17.44% | |
| NSB Bank | $460.8M | Risk-based | 10.94% | 10.94% | 12.00% | 8.49% |
| United Cumberland Bank | $460.2M | CBLR | NA | NA | NA | 11.47% |
| Farmers Savings Bank | $461.2M | Risk-based | 20.06% | 20.06% | 21.07% | 11.24% |
| The Missouri Bank | $461.5M | CBLR | NA | NA | NA | 12.57% |
| Integrity Bank & Trust | $459.6M | Risk-based | 12.61% | 12.61% | 13.85% | 9.11% |
| Bankflorida | $459.5M | Risk-based | 14.29% | 14.29% | 15.54% | 12.58% |
| Sterling State Bank | $461.9M | Risk-based | 12.80% | 12.80% | 13.98% | 8.54% |
| Northeast Security Bank | $461.9M | Risk-based | 15.42% | 15.42% | 16.67% | 10.77% |
| The Bank | $462.0M | CBLR | NA | NA | NA | 12.76% |
| The Bippus State Bank | $458.9M | Risk-based | 15.17% | 15.17% | 16.27% | 11.99% |
| Peer 25th percentile | 12.70% | 12.70% | 13.92% | 9.53% | ||
| Peer median | 14.29% | 14.29% | 15.54% | 11.36% | ||
| Peer 75th percentile | 15.30% | 15.30% | 16.47% | 12.43% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/459372/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.