Upper Peninsula State 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%.
Retained earnings rose 7.4% from Q1 2026 to Q2 2026, ending at $17.2M against $16.0M. 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 | 13.42% |
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 | $49.1M |
| Tier 1 capital | $49.1M |
| Total risk-based capital | — |
| Total equity capital | $48.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.15% |
| Tangible equity to tangible assets | 13.13% |
| Equity capital to average assets | 13.33% |
| Internal capital growth rate | 10.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $544K |
| Common stock surplus | $31.5M |
| Retained earnings | $17.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$346K |
| 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 | 14.00% | 12.98% | 12.96% |
| Q4 2023 | 13.96% | 13.10% | 13.08% |
| Q1 2024 | 13.76% | 12.96% | 12.94% |
| Q2 2024 | 13.53% | 12.82% | 12.80% |
| Q3 2024 | 13.57% | 13.04% | 13.02% |
| Q4 2024 | 13.43% | 13.04% | 13.02% |
| Q1 2025 | 13.20% | 12.44% | 12.43% |
| Q2 2025 | 13.10% | 12.88% | 12.86% |
| Q3 2025 | 13.24% | 13.01% | 12.99% |
| Q4 2025 | 13.04% | 12.92% | 12.91% |
| Q1 2026 | 13.12% | 12.85% | 12.84% |
| Q2 2026 | 13.42% | 13.15% | 13.13% |
Upper Peninsula State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Upper Peninsula State 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 Upper Peninsula State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1090) · FFIEC NIC profile (RSSD 236957)