Universal 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets fell 0.69 percentage points from Q1 2026 to Q2 2026, ending at 17.21% against 17.90%. 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 | 17.80% |
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 | $68.0M |
| Tier 1 capital | $68.0M |
| Total risk-based capital | — |
| Total equity capital | $66.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.21% |
| Tangible equity to tangible assets | 17.21% |
| Equity capital to average assets | 17.48% |
| Internal capital growth rate | 1.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $31.2M |
| Common stock surplus | $0 |
| Retained earnings | $36.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 17.79% | 17.32% | 17.32% |
| Q4 2023 | 17.40% | 17.47% | 17.47% |
| Q1 2024 | 17.58% | 17.26% | 17.26% |
| Q2 2024 | 17.54% | 17.08% | 17.08% |
| Q3 2024 | 17.58% | 18.32% | 18.32% |
| Q4 2024 | 18.34% | 18.31% | 18.31% |
| Q1 2025 | 18.33% | 17.91% | 17.91% |
| Q2 2025 | 18.30% | 18.24% | 18.24% |
| Q3 2025 | 18.39% | 18.44% | 18.44% |
| Q4 2025 | 18.21% | 18.09% | 18.09% |
| Q1 2026 | 18.21% | 17.90% | 17.90% |
| Q2 2026 | 17.80% | 17.21% | 17.21% |
Universal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Universal 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 Universal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30722) · FFIEC NIC profile (RSSD 208570)