United Southern 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%.
Compared with Q1 2026, Total equity capital rose 3.1% in Q2 2026 to $64.1M, the biggest move on this page.
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 | 10.77% |
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 | $94.1M |
| Tier 1 capital | $94.1M |
| Total risk-based capital | — |
| Total equity capital | $64.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.61% |
| Tangible equity to tangible assets | 7.61% |
| Equity capital to average assets | 7.34% |
| Internal capital growth rate | 10.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $2.1M |
| Retained earnings | $91.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.9M |
| 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 | 15.83% | 15.83% | 17.09% | 8.14% | $486.4M |
| Q4 2023 | 16.32% | 16.32% | 17.58% | 8.34% | $483.1M |
| Q1 2024 | 15.99% | 15.99% | 17.25% | 8.45% | $500.3M |
| Q2 2024 | 16.15% | 16.15% | 17.41% | 8.85% | $502.9M |
| Q3 2024 | 16.43% | 16.43% | 17.68% | 9.19% | $502.2M |
| Q4 2024 | — | — | — | 9.15% | — |
| Q1 2025 | — | — | — | 9.47% | — |
| Q2 2025 | — | — | — | 10.21% | — |
| Q3 2025 | — | — | — | 10.61% | — |
| Q4 2025 | — | — | — | 10.38% | — |
| Q1 2026 | — | — | — | 10.62% | — |
| Q2 2026 | — | — | — | 10.77% | — |
United Southern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15465) · FFIEC NIC profile (RSSD 327435)