Regulation F Financial Highlights
Financial Highlights
12/31/2025
| CAPITAL | UBB | WELL CAPITALIZED PER REG. F |
|---|---|---|
| Leverage Ratio | 13.27% | 5.00% |
| Common Equity Tier 1 Capital Ratio | 16.11% | 6.50% |
| Tier 1 Risk Based Capital Ratio | 16.11% | 8.00% |
| Total Risk Based Capital Ratio | 17.36% | 10.00% |
| Balance Sheet Items $ Stated in 000's | ||
|---|---|---|
| Total Assets | $1,306,031 | |
| Total Liabilities | $1,165,438 | |
| Quarterly Average Assets | $1,088,176 | |
| Total Equity Capital | $140,593 | |
| Allowance for Loan Losses | $13,328 | |
| Total Loans (Gross) | $793,494 | |
| Loan 30 Days Past Due and Over/Total Loans | 0.47% | |
| Non-Accrual Loans/Total Loans | 0.29% | |
| INCOME STATEMENT ITEMS | ||
|---|---|---|
| Net Income | $6,997 | |
| Return on Average Assets (ROAA) | 0.66% | |
| Return on Equity (ROE) | 5.34% | |