Universal Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 17.80% +8.80 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $68.0M | 68,016 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $382.1M | 382,089 | RCOAA224 |
| Recomputed ratio | 17.80% | numerator / denominator | |
| Filed ratio | 17.80% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.80 pp | $33.6M | 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 | 31,235 | 31,235 | 31,235 | 31,235 | 31,235 | 31,235 | RCOAP742 |
| Retained earnings | 36,781 | 36,461 | 36,109 | 35,614 | 35,169 | 34,725 | RCOAKW00 |
| Accumulated other comprehensive income | (1,238) | (863) | (215) | (193) | (561) | (345) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 66,778 | 66,833 | 67,129 | 66,656 | 65,843 | 65,615 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,238 | 863 | 215 | 193 | 561 | 345 | P859 - P840 |
| Common equity Tier 1 capital | 68,016 | 67,696 | 67,344 | 66,849 | 66,404 | 65,960 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 68,016 | 67,696 | 67,344 | 66,849 | 66,404 | 65,960 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 382,089 | 371,730 | 369,829 | 363,596 | 362,822 | 359,887 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 17.80% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 18.21% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 18.21% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 18.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 18.30% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.33% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 18.34% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 17.58% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.54% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.58% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 17.40% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 17.79% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Universal Bank (this bank) | CBLR | NA | NA | NA | 17.80% | |
| First National Bank and Trust Company | $388.1M | Risk-based | 12.10% | 12.10% | 12.58% | 7.79% |
| Security State Bank of Oklahoma | $388.2M | Risk-based | 19.59% | 19.59% | 20.79% | 12.41% |
| Owen County State Bank | $388.5M | Risk-based | 12.51% | 12.51% | 13.76% | 8.55% |
| Fox Valley Savings Bank | $387.3M | CBLR | NA | NA | NA | 15.44% |
| Lincoln Federal Savings Bank of Nebraska | $387.3M | Risk-based | 18.27% | 18.29% | 19.55% | 11.70% |
| The Peoples Community Bank | $388.8M | CBLR | NA | NA | NA | 12.76% |
| The Mint National Bank | $388.9M | CBLR | NA | NA | NA | 18.35% |
| Bankgloucester | $386.9M | Risk-based | 13.48% | 13.48% | 14.73% | 8.70% |
| Lakeside Bank | $389.2M | CBLR | NA | NA | NA | 14.37% |
| Central Bank | $386.8M | CBLR | NA | NA | NA | 9.11% |
| Peer 25th percentile | 12.51% | 12.51% | 13.76% | 8.80% | ||
| Peer median | 13.48% | 13.48% | 14.73% | 12.05% | ||
| Peer 75th percentile | 18.27% | 18.29% | 19.55% | 13.97% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/208570/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.