United Security 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 16.3% higher than in Q1 2026, at -$1.2M. United Security Bank ranks 15th of 98 Missouri banks on CET1 ratio, in the upper half at 19.42% (Q2 2026). At 19.42%, United Security Bank's CET1 ratio is close to the 19.57% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.42% |
| Tier 1 risk-based capital ratio | 19.42% |
| Total risk-based capital ratio | 20.68% |
| Tier 1 leverage ratio | 13.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $13.0M |
| Tier 1 capital | $13.0M |
| Total risk-based capital | $13.9M |
| Total equity capital | $11.8M |
| Risk-weighted assets | $67.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.15% |
| Tangible equity to tangible assets | 12.15% |
| Equity capital to average assets | 12.12% |
| Internal capital growth rate | 16.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $1.2M |
| Retained earnings | $11.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | — | — | — | 11.93% | — |
| Q4 2023 | — | — | — | 12.00% | — |
| Q1 2024 | — | — | — | 11.68% | — |
| Q2 2024 | — | — | — | 11.94% | — |
| Q3 2024 | 17.81% | 17.81% | 19.07% | 12.01% | $62.7M |
| Q4 2024 | — | — | — | 11.98% | — |
| Q1 2025 | — | — | — | 12.42% | — |
| Q2 2025 | — | — | — | 12.70% | — |
| Q3 2025 | — | — | — | 12.77% | — |
| Q4 2025 | — | — | — | 12.63% | — |
| Q1 2026 | — | — | — | 12.68% | — |
| Q2 2026 | 19.42% | 19.42% | 20.68% | 13.38% | $67.2M |
United Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1427) · FFIEC NIC profile (RSSD 630340)