United State 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%.
Retained earnings rose 2.8% from Q1 2026 to Q2 2026, ending at $28.3M against $27.6M. It was the largest change among the key lines on this page. United State Bank ranks 45th of 98 Missouri banks on CET1 ratio, in the upper half at 13.85% (Q2 2026). United State Bank reported 13.85% on CET1 ratio for Q2 2026, 1.22 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.85% |
| Tier 1 risk-based capital ratio | 13.85% |
| Total risk-based capital ratio | 15.10% |
| Tier 1 leverage ratio | 10.50% |
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 | $30.6M |
| Tier 1 capital | $30.6M |
| Total risk-based capital | $33.4M |
| Total equity capital | $30.1M |
| Risk-weighted assets | $221.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.36% |
| Tangible equity to tangible assets | 10.21% |
| Equity capital to average assets | 10.29% |
| Internal capital growth rate | 10.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $2.3M |
| Retained earnings | $28.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 12.08% | 12.08% | 13.34% | 9.22% | $199.2M |
| Q4 2023 | 11.17% | 11.17% | 12.43% | 8.51% | $203.0M |
| Q1 2024 | 11.58% | 11.58% | 12.84% | 8.67% | $201.1M |
| Q2 2024 | 11.81% | 11.81% | 13.07% | 8.89% | $203.0M |
| Q3 2024 | 12.25% | 12.25% | 13.51% | 9.31% | $203.7M |
| Q4 2024 | 12.06% | 12.06% | 13.32% | 9.39% | $210.5M |
| Q1 2025 | 12.71% | 12.71% | 13.96% | 9.54% | $206.6M |
| Q2 2025 | 13.27% | 13.27% | 14.52% | 9.66% | $205.0M |
| Q3 2025 | 13.34% | 13.34% | 14.59% | 9.84% | $212.9M |
| Q4 2025 | 12.67% | 12.67% | 13.93% | 9.99% | $227.3M |
| Q1 2026 | 13.66% | 13.66% | 14.91% | 10.34% | $218.5M |
| Q2 2026 | 13.85% | 13.85% | 15.10% | 10.50% | $221.3M |
United State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12214) · FFIEC NIC profile (RSSD 659556)