1st Security Bank of Washington: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.4% higher than in Q1 2026, at -$13.6M. 1st Security Bank of Washington ranks 11th of 21 Washington banks on CET1 ratio, in the lower half at 12.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. 1st Security Bank of Washington sits 0.64 points lower, at 12.84% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.84% |
| Tier 1 risk-based capital ratio | 12.84% |
| Total risk-based capital ratio | 14.01% |
| Tier 1 leverage ratio | 11.44% |
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 | $363.9M |
| Tier 1 capital | $363.9M |
| Total risk-based capital | $397.1M |
| Total equity capital | $362.9M |
| Risk-weighted assets | $2.83B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.42% |
| Tangible equity to tangible assets | 11.06% |
| Equity capital to average assets | 11.36% |
| Internal capital growth rate | 6.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $114.3M |
| Retained earnings | $262.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.6M |
| 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 | 11.81% | 11.81% | 13.06% | 10.26% | $2.53B |
| Q4 2023 | 12.12% | 12.12% | 13.37% | 10.39% | $2.54B |
| Q1 2024 | 12.46% | 12.46% | 13.71% | 10.61% | $2.53B |
| Q2 2024 | 12.60% | 12.60% | 13.85% | 10.94% | $2.56B |
| Q3 2024 | 12.92% | 12.92% | 14.17% | 11.18% | $2.57B |
| Q4 2024 | 12.93% | 12.93% | 14.18% | 11.24% | $2.60B |
| Q1 2025 | 13.19% | 13.19% | 14.44% | 11.29% | $2.60B |
| Q2 2025 | 12.81% | 12.81% | 14.06% | 11.18% | $2.73B |
| Q3 2025 | 12.64% | 12.64% | 13.81% | 10.96% | $2.77B |
| Q4 2025 | 12.73% | 12.73% | 13.96% | 10.96% | $2.76B |
| Q1 2026 | 12.59% | 12.59% | 13.81% | 11.16% | $2.84B |
| Q2 2026 | 12.84% | 12.84% | 14.01% | 11.44% | $2.83B |
1st Security Bank of Washington regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Security Bank of Washington, 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 1st Security Bank of Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57633) · FFIEC NIC profile (RSSD 1018927)