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%.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 6.5% to $1.21B. Within Arkansas, First Security Bank is 5th of 37 on CET1 ratio, 20.73% as of Q2 2026. First Security Bank's CET1 ratio of 20.73% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 7.24 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.73% |
| Tier 1 risk-based capital ratio | 20.73% |
| Total risk-based capital ratio | 21.99% |
| Tier 1 leverage ratio | 15.60% |
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 | $1.38B |
| Tier 1 capital | $1.38B |
| Total risk-based capital | $1.46B |
| Total equity capital | $1.21B |
| Risk-weighted assets | $6.64B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.10% |
| Tangible equity to tangible assets | 13.95% |
| Equity capital to average assets | 13.70% |
| Internal capital growth rate | 14.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $91.5M |
| Retained earnings | $1.30B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$180.7M |
| Subordinated notes and debentures | $200.0M |
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 | 21.69% | 21.69% | 22.95% | 17.37% | $6.30B |
| Q4 2023 | 21.77% | 21.77% | 23.02% | 17.37% | $6.40B |
| Q1 2024 | 22.02% | 22.02% | 23.27% | 17.36% | $6.41B |
| Q2 2024 | 19.34% | 19.34% | 20.60% | 14.95% | $6.37B |
| Q3 2024 | 20.68% | 20.68% | 21.94% | 15.05% | $6.10B |
| Q4 2024 | 19.28% | 19.28% | 20.54% | 14.20% | $6.22B |
| Q1 2025 | 20.05% | 20.05% | 21.31% | 14.85% | $6.16B |
| Q2 2025 | 20.22% | 20.22% | 21.48% | 15.04% | $6.29B |
| Q3 2025 | 20.58% | 20.58% | 21.84% | 15.33% | $6.36B |
| Q4 2025 | 20.78% | 20.78% | 22.03% | 15.54% | $6.49B |
| Q1 2026 | 20.47% | 20.47% | 21.72% | 15.60% | $6.52B |
| Q2 2026 | 20.73% | 20.73% | 21.99% | 15.60% | $6.64B |
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 5633) · FFIEC NIC profile (RSSD 673440)