Unity 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, Equity capital to average assets rose 0.28 percentage points in Q2 2026 to 8.89%, the biggest move on this page. Unity Bank ranks 57th of 85 Wisconsin banks on CET1 ratio, in the lower half at 12.16% (Q2 2026). Unity Bank reported 12.16% on CET1 ratio for Q2 2026, 2.92 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.16% |
| Tier 1 risk-based capital ratio | 12.16% |
| Total risk-based capital ratio | 13.44% |
| Tier 1 leverage ratio | 8.78% |
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 | $51.2M |
| Tier 1 capital | $51.2M |
| Total risk-based capital | $56.6M |
| Total equity capital | $52.0M |
| Risk-weighted assets | $421.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.04% |
| Tangible equity to tangible assets | 8.90% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | 0.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $180K |
| Common stock surplus | $22.0M |
| Retained earnings | $29.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$176K |
| 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 | 11.53% | 11.53% | 12.78% | 9.44% | $502.3M |
| Q4 2023 | 11.55% | 11.55% | 12.80% | 9.52% | $506.7M |
| Q1 2024 | 11.32% | 11.32% | 12.57% | 9.44% | $511.3M |
| Q2 2024 | 11.72% | 11.72% | 12.97% | 9.54% | $511.8M |
| Q3 2024 | 12.16% | 12.16% | 13.33% | 9.64% | $501.7M |
| Q4 2024 | 12.81% | 12.81% | 14.00% | 9.62% | $479.7M |
| Q1 2025 | 12.35% | 12.35% | 13.60% | 9.08% | $472.9M |
| Q2 2025 | 11.79% | 11.79% | 13.05% | 8.86% | $474.2M |
| Q3 2025 | 12.23% | 12.23% | 13.49% | 9.17% | $462.8M |
| Q4 2025 | 11.39% | 11.39% | 12.67% | 8.31% | $449.1M |
| Q1 2026 | 11.90% | 11.90% | 13.18% | 8.49% | $430.3M |
| Q2 2026 | 12.16% | 12.16% | 13.44% | 8.78% | $421.4M |
Unity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity 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 Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8714) · FFIEC NIC profile (RSSD 443353)