First Security Bank of Roundup: 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 Risk-weighted assets, which rose 5.6% to $46.2M. On CET1 ratio, First Security Bank of Roundup ranks 3rd highest among the 21 banks headquartered in Montana, at 27.14% (Q2 2026). First Security Bank of Roundup reported 27.14% on CET1 ratio for Q2 2026, 7.64 points above the 19.50% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.14% |
| Tier 1 risk-based capital ratio | 27.14% |
| Total risk-based capital ratio | 27.30% |
| Tier 1 leverage ratio | 13.36% |
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 | $12.5M |
| Tier 1 capital | $12.5M |
| Total risk-based capital | $12.6M |
| Total equity capital | $12.3M |
| Risk-weighted assets | $46.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.02% |
| Tangible equity to tangible assets | 13.02% |
| Equity capital to average assets | 13.20% |
| Internal capital growth rate | 10.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $360K |
| Common stock surplus | $4.7M |
| Retained earnings | $7.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$233K |
| 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 | 24.22% | 24.22% | 25.47% | 11.05% | $39.6M |
| Q4 2023 | 24.98% | 24.98% | 26.23% | 11.13% | $39.1M |
| Q1 2024 | 25.99% | 25.99% | 27.24% | 11.76% | $38.6M |
| Q2 2024 | 25.82% | 25.82% | 27.07% | 12.41% | $39.8M |
| Q3 2024 | 26.69% | 26.69% | 27.95% | 13.28% | $39.4M |
| Q4 2024 | 26.74% | 26.74% | 27.99% | 12.57% | $40.3M |
| Q1 2025 | 27.20% | 27.20% | 28.45% | 12.77% | $40.8M |
| Q2 2025 | 26.62% | 26.62% | 27.87% | 12.99% | $42.7M |
| Q3 2025 | 26.84% | 26.84% | 28.09% | 13.48% | $43.5M |
| Q4 2025 | 28.14% | 28.14% | 28.40% | 13.31% | $42.4M |
| Q1 2026 | 27.91% | 27.91% | 28.15% | 12.96% | $43.8M |
| Q2 2026 | 27.14% | 27.14% | 27.30% | 13.36% | $46.2M |
First Security Bank of Roundup regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank of Roundup, 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 of Roundup profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20479) · FFIEC NIC profile (RSSD 625056)