First Secure Community 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Retained earnings edged up by 2.4%, from $15.3M to $15.7M, the largest move among the key lines here. On CET1 ratio, First Secure Community Bank is 13th from the bottom among 198 Illinois banks, 10.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First Secure Community Bank sits 4.48 points lower, at 10.60% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.47% |
| Tier 1 leverage ratio | 9.43% |
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 | $47.5M |
| Tier 1 capital | $47.5M |
| Total risk-based capital | $51.5M |
| Total equity capital | $47.2M |
| Risk-weighted assets | $448.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.92% |
| Tangible equity to tangible assets | 8.92% |
| Equity capital to average assets | 9.35% |
| Internal capital growth rate | 3.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $30.9M |
| Retained earnings | $15.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$406K |
| 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 | 11.90% | 11.90% | 12.98% | 8.73% | $373.2M |
| Q4 2023 | 11.61% | 11.61% | 12.67% | 8.92% | $383.8M |
| Q1 2024 | 11.17% | 11.17% | 12.18% | 8.94% | $400.6M |
| Q2 2024 | 11.04% | 11.04% | 12.02% | 8.87% | $407.2M |
| Q3 2024 | 11.01% | 11.01% | 11.91% | 8.94% | $411.0M |
| Q4 2024 | 11.22% | 11.22% | 12.15% | 8.80% | $405.3M |
| Q1 2025 | 11.28% | 11.28% | 12.27% | 9.12% | $405.0M |
| Q2 2025 | 10.90% | 10.90% | 11.83% | 9.39% | $422.0M |
| Q3 2025 | 10.82% | 10.82% | 11.62% | 9.29% | $428.9M |
| Q4 2025 | 10.59% | 10.59% | 11.37% | 9.26% | $441.7M |
| Q1 2026 | 10.55% | 10.55% | 11.36% | 9.31% | $447.1M |
| Q2 2026 | 10.60% | 10.60% | 11.47% | 9.43% | $448.6M |
First Secure Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Community 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 First Secure Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35223) · FFIEC NIC profile (RSSD 2805535)