Univest Bank and Trust Co.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.01% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.01% (RCOAH311).
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.
Common equity Tier 1 ratio 10.76% +4.26 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $774.1M | 774,099 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.20B | 7,197,198 | RCOAA223 |
| Recomputed ratio | 10.76% | numerator / denominator | |
| Filed ratio | 10.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.26 pp | $306.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.76% +2.76 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $774.1M | 774,099 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.20B | 7,197,198 | RCOAA223 |
| Recomputed ratio | 10.76% | numerator / denominator | |
| Filed ratio | 10.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.76 pp | $198.3M | capital that could be lost first |
Total risk-based capital ratio 12.01% +2.01 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $864.1M | 864,104 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.20B | 7,197,198 | RCOAA223 |
| Recomputed ratio | 12.01% | numerator / denominator | |
| Filed ratio | 12.01% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.01 pp | $144.4M | capital that could be lost first |
Tier 1 leverage ratio 9.73% +4.73 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $774.1M | 774,099 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $7.96B | 7,957,321 | RCOAA224 |
| Recomputed ratio | 9.73% | numerator / denominator | |
| Filed ratio | 9.73% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.73 pp | $376.2M | 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 | 496,220 | 496,220 | 496,220 | 496,220 | 496,220 | 496,220 | RCOAP742 |
| Retained earnings | 449,012 | 442,968 | 432,948 | 459,685 | 446,367 | 438,878 | RCOAKW00 |
| Accumulated other comprehensive income | (23,366) | (22,593) | (22,113) | (25,271) | (28,574) | (31,510) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 921,866 | 916,595 | 907,055 | 930,634 | 914,013 | 903,588 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (147,767) | (148,638) | (149,077) | (146,080) | (142,913) | (140,103) | P859 - P840 |
| Common equity Tier 1 capital | 774,099 | 767,957 | 757,978 | 784,554 | 771,100 | 763,485 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 774,099 | 767,957 | 757,978 | 784,554 | 771,100 | 763,485 | RCOA8274 |
| Tier 2 capital | 90,005 | 88,682 | 88,438 | 86,598 | 86,816 | 87,366 | RCOA5311 |
| Allowance includable in Tier 2 capital | 90,005 | 88,682 | 88,438 | 86,598 | 86,816 | 87,366 | RCOA5310 |
| Total capital | 864,104 | 856,639 | 846,416 | 871,152 | 857,916 | 850,851 | RCOA3792 |
| Total risk-weighted assets | 7,197,198 | 7,090,798 | 7,071,055 | 6,924,053 | 6,941,703 | 6,984,865 | RCOAA223 |
| Average total assets for the leverage ratio | 7,957,321 | 8,072,140 | 8,356,500 | 8,028,192 | 7,822,836 | 7,827,893 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $195.3M | $12.8M | 6.57% | 0.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $522.1M | $159.7M | 30.60% | 2.22% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $18.8M | $3.8M | 20.00% | 0.05% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $2.10B | $1.33B | 63.37% | 18.49% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $16.3M | $24.4M | 150.00% | 0.34% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $40.8M | $61.1M | 150.00% | 0.85% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.90B | $4.83B | 98.70% | 67.13% | RC-R Part II, item 4.d, 5.d |
| All other assets | $323.6M | $300.6M | 92.90% | 4.17% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $463.0M | $459.7M | 99.29% | 6.38% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $43.5M | $8.8M | 20.23% | 0.12% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $4.4M | NA | 0.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.20B | ties to item 31 ($7.20B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.20B | RCONB704 |
| Less: excess allowance for credit losses | $3.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $7.20B | RCONG641, ties |
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 | Risk-based | 10.76% | 10.76% | 12.01% | 9.73% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.83% | 10.83% | 12.08% | 9.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.72% | 10.72% | 11.97% | 9.07% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.33% | 11.33% | 12.58% | 9.77% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.11% | 11.11% | 12.36% | 9.86% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.93% | 10.93% | 12.18% | 9.75% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.80% | 10.80% | 12.03% | 9.45% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.18% | 11.18% | 12.41% | 9.78% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.00% | 11.00% | 12.22% | 9.98% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.94% | 10.94% | 12.17% | 9.86% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.71% | 10.71% | 11.86% | 9.45% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.40% | 10.40% | 11.51% | 9.50% | 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 |
|---|---|---|---|---|---|---|
| Univest Bank and Trust Co. (this bank) | Risk-based | 10.76% | 10.76% | 12.01% | 9.73% | |
| Poppy Bank | $8.32B | Risk-based | 12.82% | 12.82% | 14.07% | 9.71% |
| Peapack Private Bank and Trust | $7.96B | Risk-based | 10.60% | 10.60% | 11.65% | 8.96% |
| BankPlus | $8.38B | CBLR | NA | NA | NA | 10.84% |
| Hanmi Bank | $7.95B | Risk-based | 13.40% | 13.40% | 14.48% | 11.71% |
| CNB Bank | $8.41B | Risk-based | 13.09% | 13.21% | 14.05% | 10.17% |
| Heritage Bank | $8.42B | Risk-based | 12.34% | 12.34% | 13.23% | 10.23% |
| German American Bank | $8.43B | Risk-based | 13.31% | 13.31% | 14.24% | 11.19% |
| Forbright Bank | $8.48B | CBLR | NA | NA | NA | 11.24% |
| Bankers Trust Company | $7.83B | Risk-based | 10.95% | 11.03% | 12.25% | 10.10% |
| Peer 25th percentile | 11.64% | 11.69% | 12.74% | 10.10% | ||
| Peer median | 12.82% | 12.82% | 14.05% | 10.23% | ||
| Peer 75th percentile | 13.20% | 13.26% | 14.15% | 11.19% | ||
| This bank's percentile | 14 | 14 | 14 | 22 |
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/354310/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.