The Upstate National 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%.
Compared with Q1 2026, Equity capital to average assets fell 0.51 percentage points in Q2 2026 to 9.86%, the biggest move on this page. The Upstate National Bank ranks 43rd of 82 New York banks on CET1 ratio, in the lower half at 15.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; The Upstate National Bank reported 15.33% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.33% |
| Tier 1 risk-based capital ratio | 15.34% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 10.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $29.6M |
| Tier 1 capital | $29.6M |
| Total risk-based capital | $31.9M |
| Total equity capital | $28.8M |
| Risk-weighted assets | $193.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.78% |
| Tangible equity to tangible assets | 9.78% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | 1.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $373K |
| Common stock surplus | $30.2M |
| Retained earnings | $886K |
| Preferred stock and surplus | $19K |
| Accumulated other comprehensive income | -$2.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.43% | 15.44% | 16.65% | 10.55% | $213.0M |
| Q4 2023 | 14.97% | 14.98% | 16.23% | 9.73% | $209.7M |
| Q1 2024 | 15.93% | 15.94% | 17.19% | 9.54% | $194.8M |
| Q2 2024 | 15.27% | 15.28% | 16.53% | 10.05% | $192.9M |
| Q3 2024 | 15.13% | 15.14% | 16.39% | 9.86% | $187.6M |
| Q4 2024 | 14.98% | 14.99% | 16.24% | 9.95% | $184.2M |
| Q1 2025 | 14.85% | 14.86% | 16.12% | 10.32% | $183.0M |
| Q2 2025 | 15.93% | 15.94% | 17.19% | 10.78% | $178.6M |
| Q3 2025 | 15.65% | 15.66% | 16.91% | 10.76% | $182.8M |
| Q4 2025 | 16.04% | 16.05% | 17.29% | 10.65% | $183.5M |
| Q1 2026 | 15.80% | 15.81% | 17.04% | 10.69% | $186.6M |
| Q2 2026 | 15.33% | 15.34% | 16.53% | 10.19% | $193.0M |
The Upstate National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Upstate National 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 The Upstate National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13748) · FFIEC NIC profile (RSSD 313009)