First Security 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.
Retained earnings climbed 12.9% in Q2 2026, from $3.3M to $3.7M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, First Security Bank is 16th from the bottom among 162 Minnesota banks, 10.82% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First Security Bank sits 4.26 points lower, at 10.82% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.82% |
| Tier 1 risk-based capital ratio | 10.82% |
| Total risk-based capital ratio | 12.08% |
| Tier 1 leverage ratio | 7.93% |
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 | $12.5M |
| Tier 1 capital | $12.5M |
| Total risk-based capital | $14.0M |
| Total equity capital | $11.4M |
| Risk-weighted assets | $115.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.03% |
| Tangible equity to tangible assets | 7.03% |
| Equity capital to average assets | 7.21% |
| Internal capital growth rate | 15.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $8.7M |
| Retained earnings | $3.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 9.76% | 9.76% | 10.81% | 7.56% | $90.5M |
| Q4 2023 | 10.31% | 10.31% | 11.38% | 8.07% | $97.2M |
| Q1 2024 | 10.24% | 10.24% | 11.28% | 7.80% | $99.5M |
| Q2 2024 | 10.17% | 10.17% | 11.37% | 7.66% | $99.9M |
| Q3 2024 | 9.89% | 9.89% | 11.01% | 7.54% | $104.6M |
| Q4 2024 | 10.14% | 10.14% | 11.26% | 7.63% | $107.5M |
| Q1 2025 | 10.38% | 10.38% | 11.51% | 7.75% | $108.3M |
| Q2 2025 | 10.04% | 10.04% | 11.16% | 7.77% | $114.8M |
| Q3 2025 | 10.69% | 10.69% | 11.87% | 7.89% | $111.3M |
| Q4 2025 | 10.62% | 10.62% | 11.80% | 7.93% | $113.7M |
| Q1 2026 | 10.55% | 10.55% | 11.80% | 7.69% | $114.6M |
| Q2 2026 | 10.82% | 10.82% | 12.08% | 7.93% | $115.6M |
First Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9728) · FFIEC NIC profile (RSSD 109154)