Unity Bank of Mississippi: 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%.
Equity capital to average assets rose 0.66 percentage points from Q1 2026 to Q2 2026, ending at 7.07% against 6.42%. It was the largest change among the key lines 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 | 11.04% |
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 | $31.2M |
| Tier 1 capital | $31.2M |
| Total risk-based capital | — |
| Total equity capital | $20.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.10% |
| Tangible equity to tangible assets | 6.96% |
| Equity capital to average assets | 7.07% |
| Internal capital growth rate | 7.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $129K |
| Common stock surplus | $20.5M |
| Retained earnings | $11.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.85% | 4.48% | 4.25% |
| Q4 2023 | 11.34% | 6.24% | 6.02% |
| Q1 2024 | 10.34% | 5.54% | 5.34% |
| Q2 2024 | 10.67% | 5.68% | 5.48% |
| Q3 2024 | 10.50% | 6.26% | 6.07% |
| Q4 2024 | 10.47% | 5.74% | 5.56% |
| Q1 2025 | 10.17% | 5.69% | 5.52% |
| Q2 2025 | 10.51% | 5.87% | 5.71% |
| Q3 2025 | 10.58% | 6.21% | 6.06% |
| Q4 2025 | 10.54% | 6.69% | 6.54% |
| Q1 2026 | 10.45% | 6.58% | 6.44% |
| Q2 2026 | 11.04% | 7.10% | 6.96% |
Unity Bank of Mississippi regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank of Mississippi, 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 of Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11446) · FFIEC NIC profile (RSSD 837840)