First Security Bank and Trust Company: 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 standout move of Q2 2026 was in Equity capital to total assets: 0.79 percentage points higher than in Q1 2026, at 10.54%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.09% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $23.8M |
| Tier 1 capital | $23.8M |
| Total risk-based capital | — |
| Total equity capital | $23.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.54% |
| Tangible equity to tangible assets | 10.54% |
| Equity capital to average assets | 10.07% |
| Internal capital growth rate | -5.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $16.6M |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23K |
| 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 | 26.65% | 26.65% | 27.90% | 22.19% | $84.9M |
| Q4 2023 | 22.12% | 22.12% | 23.19% | 20.52% | $102.7M |
| Q1 2024 | 23.15% | 23.15% | 24.40% | 20.07% | $99.3M |
| Q2 2024 | 21.43% | 21.43% | 22.68% | 19.30% | $108.3M |
| Q3 2024 | 17.57% | 17.57% | 18.71% | 16.94% | $132.6M |
| Q4 2024 | 14.67% | 14.67% | 15.87% | 14.27% | $157.5M |
| Q1 2025 | 13.45% | 13.45% | 14.72% | 11.56% | $163.4M |
| Q2 2025 | 11.62% | 11.62% | 12.88% | 10.54% | $196.6M |
| Q3 2025 | 11.22% | 11.22% | 12.48% | 9.65% | $203.6M |
| Q4 2025 | — | — | — | 9.45% | — |
| Q1 2026 | — | — | — | 9.62% | — |
| Q2 2026 | — | — | — | 10.09% | — |
First Security Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17001) · FFIEC NIC profile (RSSD 377850)