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.
The standout move of Q2 2026 was in Equity capital to total assets: 0.98 percentage points higher than in Q1 2026, at 15.79%. First Security Bank ranks 14th of 114 Iowa banks on CET1 ratio, in the upper half at 18.88% (Q2 2026). First Security Bank reported 18.88% on CET1 ratio for Q2 2026, 1.08 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 | 18.88% |
| Tier 1 risk-based capital ratio | 18.88% |
| Total risk-based capital ratio | 20.13% |
| Tier 1 leverage ratio | 12.25% |
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 | $7.9M |
| Tier 1 capital | $7.9M |
| Total risk-based capital | $8.4M |
| Total equity capital | $10.3M |
| Risk-weighted assets | $41.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.79% |
| Tangible equity to tangible assets | 11.00% |
| Equity capital to average assets | 15.21% |
| Internal capital growth rate | 8.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $650K |
| Common stock surplus | $6.5M |
| Retained earnings | $4.2M |
| 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 | 17.18% | 17.18% | 18.24% | 13.28% | $50.6M |
| Q4 2023 | 16.44% | 16.44% | 17.45% | 12.93% | $53.3M |
| Q1 2024 | 17.05% | 17.05% | 18.11% | 12.04% | $51.2M |
| Q2 2024 | 16.38% | 16.38% | 17.43% | 11.69% | $51.4M |
| Q3 2024 | 17.27% | 17.27% | 18.35% | 12.32% | $50.0M |
| Q4 2024 | 16.60% | 16.60% | 17.69% | 13.05% | $49.4M |
| Q1 2025 | 18.47% | 18.47% | 19.67% | 12.74% | $45.1M |
| Q2 2025 | 18.57% | 18.57% | 19.82% | 12.21% | $42.9M |
| Q3 2025 | 19.16% | 19.16% | 20.41% | 13.50% | $42.6M |
| Q4 2025 | 16.61% | 16.61% | 17.81% | 12.34% | $44.8M |
| Q1 2026 | 17.82% | 17.82% | 19.07% | 11.80% | $43.1M |
| Q2 2026 | 18.88% | 18.88% | 20.13% | 12.25% | $41.6M |
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 251) · FFIEC NIC profile (RSSD 943143)