Unity Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.52% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.52% (RCOAH311).
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.
Common equity Tier 1 ratio 14.27% +7.77 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $371.5M | 371,530 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.60B | 2,604,390 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.77 pp | $202.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.27% +6.27 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $371.5M | 371,530 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.60B | 2,604,390 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.27 pp | $163.2M | capital that could be lost first |
Total risk-based capital ratio 15.52% +5.52 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $404.1M | 404,120 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.60B | 2,604,390 | RCOAA223 |
| Recomputed ratio | 15.52% | numerator / denominator | |
| Filed ratio | 15.52% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.52 pp | $143.7M | capital that could be lost first |
Tier 1 leverage ratio 12.88% +7.88 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $371.5M | 371,530 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.88B | 2,883,581 | RCOAA224 |
| Recomputed ratio | 12.88% | numerator / denominator | |
| Filed ratio | 12.88% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.88 pp | $227.3M | 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 | 85,840 | 85,260 | 84,705 | 84,178 | 77,152 | 76,615 | RCOAP742 |
| Retained earnings | 287,329 | 273,970 | 261,659 | 251,929 | 241,072 | 233,310 | RCOAKW00 |
| Accumulated other comprehensive income | (949) | (1,134) | (1,095) | (1,273) | (1,925) | (1,833) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 372,220 | 358,096 | 345,269 | 334,834 | 316,299 | 308,092 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (690) | (503) | (473) | (327) | 304 | 224 | P859 - P840 |
| Common equity Tier 1 capital | 371,530 | 357,593 | 344,796 | 334,507 | 316,603 | 308,316 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 371,530 | 357,593 | 344,796 | 334,507 | 316,603 | 308,316 | RCOA8274 |
| Tier 2 capital | 32,590 | 30,846 | 29,871 | 29,069 | 28,581 | 27,574 | RCOA5311 |
| Allowance includable in Tier 2 capital | 32,590 | 30,846 | 29,871 | 29,069 | 28,581 | 27,574 | RCOA5310 |
| Total capital | 404,120 | 388,439 | 374,667 | 363,576 | 345,184 | 335,890 | RCOA3792 |
| Total risk-weighted assets | 2,604,390 | 2,464,497 | 2,386,521 | 2,323,713 | 2,285,316 | 2,205,256 | RCOAA223 |
| Average total assets for the leverage ratio | 2,883,581 | 2,833,349 | 2,782,621 | 2,695,147 | 2,630,308 | 2,559,158 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $250.0M | $61K | 0.02% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $95.2M | $34.1M | 35.83% | 1.31% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $841.2M | $486.2M | 57.80% | 18.65% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $9.5M | $14.2M | 150.00% | 0.54% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $22.2M | $33.2M | 150.00% | 1.27% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.81B | $1.81B | 99.87% | 69.38% | RC-R Part II, item 4.d, 5.d |
| All other assets | $159.5M | $143.4M | 89.88% | 5.50% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $119.1M | $73.0M | 61.26% | 2.80% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $100K | $100K | 100.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $14.0M | NA | 0.54% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.59B | does not tie to item 31 ($2.59B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.61B | RCONB704 |
| Less: excess allowance for credit losses | $2.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.60B | RCONG641, ties |
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 | Risk-based | 14.27% | 14.27% | 15.52% | 12.88% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.51% | 14.51% | 15.76% | 12.62% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.45% | 14.45% | 15.70% | 12.39% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.40% | 14.40% | 15.65% | 12.41% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.85% | 13.85% | 15.10% | 12.04% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.98% | 13.98% | 15.23% | 12.05% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.12% | 14.12% | 15.37% | 11.95% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.72% | 13.72% | 14.97% | 11.67% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.42% | 13.42% | 14.67% | 11.35% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.11% | 13.11% | 14.36% | 11.10% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.77% | 12.77% | 14.02% | 10.75% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.35% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Unity Bank (this bank) | Risk-based | 14.27% | 14.27% | 15.52% | 12.88% | |
| Bank of Greene | $3.18B | Risk-based | 15.85% | 15.85% | 17.10% | 9.88% |
| Exchange Bank | $3.19B | Risk-based | 18.98% | 18.98% | 20.23% | 12.64% |
| First Citizens Community Bank | $3.19B | CBLR | NA | NA | NA | 9.64% |
| First National Bank | $3.18B | Risk-based | 13.05% | 13.05% | 14.18% | 9.20% |
| 1st Security Bank of Washington | $3.18B | Risk-based | 12.84% | 12.84% | 14.01% | 11.44% |
| North American Savings Bank, FSB | $3.20B | Risk-based | 17.49% | 17.49% | 18.74% | 14.21% |
| U.S. Bank Trust Company, N.A. | $3.21B | Risk-based | 409.95% | 409.95% | 409.95% | 98.64% |
| Monet Bank | $3.16B | Risk-based | 135.52% | 135.52% | 136.07% | 31.69% |
| Farmers Bank & Trust Company | $3.16B | CBLR | NA | NA | NA | 9.87% |
| Centreville Bank | $3.15B | CBLR | NA | NA | NA | 13.35% |
| Peer 25th percentile | 14.45% | 14.45% | 15.64% | 9.87% | ||
| Peer median | 17.49% | 17.49% | 18.74% | 12.04% | ||
| Peer 75th percentile | 77.25% | 77.25% | 78.15% | 14.00% | ||
| This bank's percentile | 29 | 29 | 29 | 60 |
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/1890525/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.