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 10.77% +1.77 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 | $94.1M | 94,059 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $873.6M | 873,650 | RCOAA224 |
| Recomputed ratio | 10.77% | numerator / denominator | |
| Filed ratio | 10.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.77 pp | $15.4M | 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 | 3,088 | 3,088 | 3,088 | 3,088 | 3,088 | 3,088 | RCOAP742 |
| Retained earnings | 90,971 | 89,358 | 87,830 | 85,883 | 84,273 | 82,625 | RCOAKW00 |
| Accumulated other comprehensive income | (29,914) | (30,203) | (29,453) | (31,492) | (36,411) | (38,617) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,145 | 62,243 | 61,465 | 57,479 | 50,950 | 47,096 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 29,914 | 30,203 | 29,453 | 31,492 | 36,411 | 38,617 | P859 - P840 |
| Common equity Tier 1 capital | 94,059 | 92,446 | 90,918 | 88,971 | 87,361 | 85,713 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 94,059 | 92,446 | 90,918 | 88,971 | 87,361 | 85,713 | 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 | 873,650 | 870,825 | 875,998 | 838,309 | 856,011 | 905,103 | 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 | 10.77% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.62% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.38% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.61% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.21% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.47% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.15% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.43% | 16.43% | 17.68% | 9.19% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.15% | 16.15% | 17.41% | 8.85% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.99% | 15.99% | 17.25% | 8.45% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.32% | 16.32% | 17.58% | 8.34% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.83% | 15.83% | 17.09% | 8.14% | 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 | 10.77% | |
| FNBC Bank | $843.3M | Risk-based | 12.44% | 12.44% | 13.70% | 9.68% |
| The Old Fort Banking Company | $843.9M | Risk-based | 15.16% | 15.16% | 16.20% | 8.89% |
| Millennium Bank | $844.5M | CBLR | NA | NA | NA | 9.41% |
| Carolina Bank & Trust Company | $844.6M | Risk-based | 20.14% | 20.14% | 21.40% | 13.51% |
| The Fountain Trust Company | $844.6M | Risk-based | 15.50% | 15.50% | 16.75% | 9.99% |
| Bank of Sun Prairie | $841.2M | Risk-based | 13.27% | 13.27% | 14.52% | 9.99% |
| First Resource Bank | $840.9M | Risk-based | 10.94% | 10.94% | 11.83% | 8.62% |
| First Utah Bank | $840.3M | CBLR | NA | NA | NA | 10.22% |
| Prairie State Bank & Trust | $840.1M | CBLR | NA | NA | NA | 12.39% |
| Bankiowa | $846.2M | CBLR | NA | NA | NA | 12.46% |
| Peer 25th percentile | 12.65% | 12.65% | 13.90% | 9.48% | ||
| Peer median | 14.22% | 14.22% | 15.36% | 9.99% | ||
| Peer 75th percentile | 15.41% | 15.41% | 16.61% | 11.85% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/327435/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.