United Valley 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, Retained earnings rose 4.1% in Q2 2026 to $28.7M, 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 | 10.50% |
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 | $77.2M |
| Tier 1 capital | $77.2M |
| Total risk-based capital | — |
| Total equity capital | $79.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.54% |
| Tangible equity to tangible assets | 9.54% |
| Equity capital to average assets | 10.66% |
| Internal capital growth rate | 5.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $56.3M |
| Retained earnings | $28.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 | 11.49% | 11.49% | 12.65% | 8.92% | $482.3M |
| Q4 2023 | 11.52% | 11.52% | 12.68% | 8.94% | $488.8M |
| Q1 2024 | 11.96% | 11.96% | 13.16% | 9.09% | $472.4M |
| Q2 2024 | 11.78% | 11.78% | 13.01% | 9.10% | $484.9M |
| Q3 2024 | 11.62% | 11.62% | 12.87% | 8.93% | $495.3M |
| Q4 2024 | 11.61% | 11.61% | 12.86% | 8.84% | $504.5M |
| Q1 2025 | 13.75% | 13.75% | 14.99% | 10.70% | $516.3M |
| Q2 2025 | 13.85% | 13.85% | 14.97% | 10.85% | $528.0M |
| Q3 2025 | — | — | — | 10.80% | — |
| Q4 2025 | — | — | — | 10.69% | — |
| Q1 2026 | — | — | — | 10.60% | — |
| Q2 2026 | — | — | — | 10.50% | — |
United Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Valley 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 Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15478) · FFIEC NIC profile (RSSD 922559)