United Trust 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 Retained earnings: 20.0% higher than in Q1 2026, at -$5.5M. Within Illinois, United Trust Bank is 71st of 198 on CET1 ratio, 17.64% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. United Trust Bank sits 2.57 points higher, at 17.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.64% |
| Tier 1 risk-based capital ratio | 17.64% |
| Total risk-based capital ratio | 18.65% |
| Tier 1 leverage ratio | 10.03% |
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 | $17.6M |
| Tier 1 capital | $17.6M |
| Total risk-based capital | $18.7M |
| Total equity capital | $17.6M |
| Risk-weighted assets | $100.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.91% |
| Tangible equity to tangible assets | 9.91% |
| Equity capital to average assets | 10.03% |
| Internal capital growth rate | 15.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $23.2M |
| Common stock surplus | $0 |
| Retained earnings | -$5.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 14.13% | 14.13% | 15.06% | 8.17% | $89.4M |
| Q4 2023 | 15.08% | 15.08% | 16.01% | 8.69% | $89.7M |
| Q1 2024 | 14.53% | 14.53% | 15.43% | 8.65% | $92.7M |
| Q2 2024 | 15.56% | 15.56% | 16.49% | 8.94% | $88.1M |
| Q3 2024 | 14.48% | 14.48% | 15.35% | 9.08% | $96.0M |
| Q4 2024 | 14.91% | 14.91% | 15.84% | 8.86% | $97.0M |
| Q1 2025 | 15.56% | 15.56% | 16.59% | 8.99% | $94.9M |
| Q2 2025 | 15.03% | 15.03% | 15.91% | 9.16% | $100.5M |
| Q3 2025 | 15.71% | 15.71% | 16.63% | 9.18% | $99.5M |
| Q4 2025 | 16.90% | 16.90% | 17.86% | 9.35% | $94.1M |
| Q1 2026 | 16.41% | 16.41% | 17.36% | 9.54% | $99.2M |
| Q2 2026 | 17.64% | 17.64% | 18.65% | 10.03% | $100.1M |
United Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35393) · FFIEC NIC profile (RSSD 2949970)