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.
Total risk-based capital rose 2.9% from Q1 2026 to Q2 2026, ending at $5.3M against $5.2M. It was the largest change among the key lines on this page. First Security Bank ranks 44th of 97 Missouri banks on CET1 ratio, in the upper half at 13.95% (Q2 2026). First Security Bank reported 13.95% on CET1 ratio for Q2 2026, 6.01 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.95% |
| Tier 1 risk-based capital ratio | 13.95% |
| Total risk-based capital ratio | 15.20% |
| Tier 1 leverage ratio | 7.96% |
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 | $4.9M |
| Tier 1 capital | $4.9M |
| Total risk-based capital | $5.3M |
| Total equity capital | $4.8M |
| Risk-weighted assets | $35.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.83% |
| Tangible equity to tangible assets | 7.83% |
| Equity capital to average assets | 7.88% |
| Internal capital growth rate | 10.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $54K |
| Common stock surplus | $173K |
| Retained earnings | $4.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$48K |
| 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 | 12.73% | 12.73% | 13.98% | 7.75% | $32.5M |
| Q4 2023 | 13.17% | 13.17% | 14.42% | 7.87% | $32.1M |
| Q1 2024 | 13.69% | 13.69% | 14.94% | 7.92% | $31.5M |
| Q2 2024 | 13.62% | 13.62% | 14.87% | 7.69% | $32.2M |
| Q3 2024 | 14.11% | 14.11% | 15.37% | 7.87% | $31.7M |
| Q4 2024 | 13.92% | 13.92% | 15.17% | 7.57% | $30.9M |
| Q1 2025 | 13.41% | 13.41% | 14.66% | 7.60% | $32.6M |
| Q2 2025 | 13.38% | 13.38% | 14.63% | 7.58% | $33.5M |
| Q3 2025 | 13.57% | 13.57% | 14.82% | 7.82% | $33.9M |
| Q4 2025 | 13.78% | 13.78% | 15.03% | 7.92% | $34.0M |
| Q1 2026 | 13.89% | 13.89% | 15.08% | 7.82% | $34.4M |
| Q2 2026 | 13.95% | 13.95% | 15.20% | 7.96% | $35.1M |
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 1622) · FFIEC NIC profile (RSSD 322551)