Utah Independent 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, Retained earnings rose 6.0% in Q2 2026 to $25.4M, the biggest move 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 | 16.31% |
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 | $26.8M |
| Tier 1 capital | $26.8M |
| Total risk-based capital | — |
| Total equity capital | $25.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.12% |
| Tangible equity to tangible assets | 15.12% |
| Equity capital to average assets | 15.75% |
| Internal capital growth rate | 23.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $672K |
| Common stock surplus | $689K |
| Retained earnings | $25.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$930K |
| 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 | 15.66% | 13.74% | 13.74% |
| Q4 2023 | 14.04% | 13.29% | 13.29% |
| Q1 2024 | 14.96% | 13.24% | 13.24% |
| Q2 2024 | 15.07% | 14.02% | 14.02% |
| Q3 2024 | 15.68% | 14.57% | 14.57% |
| Q4 2024 | 14.00% | 13.51% | 13.51% |
| Q1 2025 | 14.96% | 13.77% | 13.77% |
| Q2 2025 | 14.82% | 14.28% | 14.28% |
| Q3 2025 | 15.45% | 15.08% | 15.08% |
| Q4 2025 | 14.71% | 14.44% | 14.44% |
| Q1 2026 | 15.89% | 15.13% | 15.13% |
| Q2 2026 | 16.31% | 15.12% | 15.12% |
Utah Independent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Utah Independent 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 Utah Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22514) · FFIEC NIC profile (RSSD 256179)