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.
Compared with Q1 2026, Risk-weighted assets rose 6.5% in Q2 2026 to $651.3M, the biggest move on this page. First Security Bank ranks 12th of 20 Mississippi banks on CET1 ratio, in the lower half at 13.62% (Q2 2026). First Security Bank reported 13.62% on CET1 ratio for Q2 2026, 1.46 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.62% |
| Tier 1 risk-based capital ratio | 13.62% |
| Total risk-based capital ratio | 14.87% |
| Tier 1 leverage ratio | 9.28% |
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 | $88.7M |
| Tier 1 capital | $88.7M |
| Total risk-based capital | $96.8M |
| Total equity capital | $84.3M |
| Risk-weighted assets | $651.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.64% |
| Tangible equity to tangible assets | 8.27% |
| Equity capital to average assets | 8.79% |
| Internal capital growth rate | 14.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $15.9M |
| Retained earnings | $76.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | 14.60% | 14.60% | 15.80% | 9.14% | $538.1M |
| Q4 2023 | 14.27% | 14.27% | 15.49% | 8.95% | $538.4M |
| Q1 2024 | 14.04% | 14.04% | 15.27% | 8.97% | $550.4M |
| Q2 2024 | 14.12% | 14.12% | 15.34% | 9.11% | $563.7M |
| Q3 2024 | 13.99% | 13.99% | 15.18% | 9.11% | $584.5M |
| Q4 2024 | 13.96% | 13.96% | 15.21% | 9.03% | $571.3M |
| Q1 2025 | 13.81% | 13.81% | 15.06% | 8.96% | $591.5M |
| Q2 2025 | 14.02% | 14.02% | 15.27% | 9.17% | $601.5M |
| Q3 2025 | 14.09% | 14.09% | 15.34% | 9.42% | $615.7M |
| Q4 2025 | 14.07% | 14.07% | 15.32% | 9.22% | $600.2M |
| Q1 2026 | 14.02% | 14.02% | 15.27% | 9.13% | $611.7M |
| Q2 2026 | 13.62% | 13.62% | 14.87% | 9.28% | $651.3M |
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 17120) · FFIEC NIC profile (RSSD 718145)