University 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 10.08% +1.08 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 | $118.8M | 118,760 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.18B | 1,177,886 | RCOAA224 |
| Recomputed ratio | 10.08% | numerator / denominator | |
| Filed ratio | 10.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.08 pp | $12.8M | 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 | 58,550 | 52,550 | 52,550 | 51,250 | 51,250 | 28,985 | RCOAP742 |
| Retained earnings | 60,381 | 56,746 | 56,056 | 55,772 | 52,646 | 71,068 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 1 | 1 | 0 | 0 | 1 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 118,931 | 109,297 | 108,607 | 107,022 | 103,896 | 100,054 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (10,967) | (6,112) | (4,994) | (4,320) | (9,473) | (9,642) | P859 - P840 |
| Common equity Tier 1 capital | 107,964 | 103,185 | 103,613 | 102,702 | 94,423 | 90,412 | RCOAP859 |
| Additional Tier 1 capital | 10,796 | 10,318 | 10,361 | 10,270 | 9,442 | 9,041 | RCOAP865 |
| Tier 1 capital | 118,760 | 113,503 | 113,974 | 112,972 | 103,865 | 99,453 | 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 | 1,177,886 | 1,122,951 | 1,126,703 | 1,103,461 | 1,029,696 | 970,557 | 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 | 10.08% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.11% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.12% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.24% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.09% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.25% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.40% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 10.33% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 10.18% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 10.02% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 10.05% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.20% | 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 |
|---|---|---|---|---|---|---|
| University Bank (this bank) | CBLR | NA | NA | NA | 10.08% | |
| NBKC Bank | $1.24B | Risk-based | 22.05% | 22.05% | 23.30% | 17.13% |
| First State Bank | $1.24B | Risk-based | 17.38% | 17.38% | 18.48% | 10.47% |
| Firstar Bank | $1.24B | Risk-based | 12.64% | 12.64% | 13.70% | 9.03% |
| Midwest Bank | $1.24B | CBLR | NA | NA | NA | 9.40% |
| Bank of Central Florida | $1.25B | Risk-based | 12.53% | 12.53% | 13.55% | 8.75% |
| Platte Valley Bank | $1.25B | CBLR | NA | NA | NA | 9.54% |
| Wood & Huston Bank | $1.23B | Risk-based | 13.34% | 13.34% | 14.57% | 11.55% |
| Peoples Bank | $1.25B | CBLR | NA | NA | NA | 10.73% |
| Dayspring Bank | $1.23B | CBLR | NA | NA | NA | 10.71% |
| Peer 25th percentile | 12.64% | 12.64% | 13.70% | 9.40% | ||
| Peer median | 13.34% | 13.34% | 14.57% | 10.47% | ||
| Peer 75th percentile | 17.38% | 17.38% | 18.48% | 10.73% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/137652/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.