United Southern 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 12.66% +3.66 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 | $45.1M | 45,122 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $356.4M | 356,405 | RCOAA224 |
| Recomputed ratio | 12.66% | numerator / denominator | |
| Filed ratio | 12.66% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.66 pp | $13.0M | 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 | 14,007 | 14,006 | 13,987 | 13,986 | 13,986 | 13,987 | RCOAP742 |
| Retained earnings | 31,115 | 29,755 | 28,529 | 28,034 | 26,867 | 25,876 | RCOAKW00 |
| Accumulated other comprehensive income | (2,353) | (2,439) | (2,252) | (2,413) | (2,984) | (3,348) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 42,769 | 41,322 | 40,264 | 39,607 | 37,869 | 36,515 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,353 | 2,439 | 2,252 | 2,413 | 2,984 | 3,348 | P859 - P840 |
| Common equity Tier 1 capital | 45,122 | 43,761 | 42,516 | 42,020 | 40,853 | 39,863 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 45,122 | 43,761 | 42,516 | 42,020 | 40,853 | 39,863 | 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 | 356,405 | 356,061 | 351,768 | 347,989 | 349,553 | 344,199 | 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 | 12.66% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.29% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.09% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.08% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.69% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.58% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.43% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.48% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.32% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.30% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.45% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.27% | 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 Southern Bank (this bank) | CBLR | NA | NA | NA | 12.66% | |
| First State Bank of Texas | $353.6M | CBLR | NA | NA | NA | 9.20% |
| Citizens Bank of Ada | $353.7M | CBLR | NA | NA | NA | 9.50% |
| The Waggoner National Bank of Vernon | $353.7M | CBLR | NA | NA | NA | 14.41% |
| First State Bank of Dekalb County, Inc. | $353.8M | Risk-based | 24.03% | 24.03% | 25.28% | 14.13% |
| The Hocking Valley Bank | $354.0M | CBLR | NA | NA | NA | 11.44% |
| Granite Bank | $353.2M | Risk-based | 9.91% | 9.91% | 10.62% | 8.53% |
| Frazer Bank | $354.3M | Risk-based | 17.05% | 17.05% | 18.30% | 11.21% |
| Mutual Savings Bank | $352.9M | Risk-based | 13.05% | 13.05% | 14.27% | 10.22% |
| Glenwood State Bank | $352.9M | CBLR | NA | NA | NA | 12.45% |
| Peer 25th percentile | 12.27% | 12.27% | 13.36% | 9.50% | ||
| Peer median | 15.05% | 15.05% | 16.29% | 11.21% | ||
| Peer 75th percentile | 18.80% | 18.80% | 20.05% | 12.45% | ||
| This bank's percentile | NA | NA | NA | 78 |
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/110945/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.