First Security Bank - Sleepy Eye: 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 Total risk-based capital ratio: 6.20 percentage points higher than in Q1 2026, at 49.27%. Among 161 Minnesota banks, First Security Bank - Sleepy Eye sits 3rd from the top on CET1 ratio, 48.24% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, First Security Bank - Sleepy Eye reported 48.24% on CET1 ratio in Q2 2026, 33.17 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 48.24% |
| Tier 1 risk-based capital ratio | 48.24% |
| Total risk-based capital ratio | 49.27% |
| Tier 1 leverage ratio | 15.26% |
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 | $27.8M |
| Tier 1 capital | $27.8M |
| Total risk-based capital | $28.4M |
| Total equity capital | $28.4M |
| Risk-weighted assets | $57.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.55% |
| Tangible equity to tangible assets | 14.50% |
| Equity capital to average assets | 15.39% |
| Internal capital growth rate | 11.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $14.7M |
| Retained earnings | $15.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 27.51% | 27.51% | 28.60% | 12.32% | $103.1M |
| Q4 2023 | 25.50% | 25.50% | 26.63% | 11.71% | $103.2M |
| Q1 2024 | 36.03% | 36.03% | 37.28% | 16.15% | $86.6M |
| Q2 2024 | 34.09% | 34.09% | 35.34% | 16.80% | $86.6M |
| Q3 2024 | 33.61% | 33.61% | 34.86% | 15.18% | $80.9M |
| Q4 2024 | 35.95% | 35.95% | 36.90% | 15.61% | $79.0M |
| Q1 2025 | 35.08% | 35.08% | 36.05% | 15.20% | $78.5M |
| Q2 2025 | 32.99% | 32.99% | 33.99% | 14.30% | $76.0M |
| Q3 2025 | 34.51% | 34.51% | 35.49% | 14.74% | $74.5M |
| Q4 2025 | 37.67% | 37.67% | 38.47% | 14.42% | $70.0M |
| Q1 2026 | 42.20% | 42.20% | 43.07% | 14.82% | $64.1M |
| Q2 2026 | 48.24% | 48.24% | 49.27% | 15.26% | $57.7M |
First Security Bank - Sleepy Eye regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank - Sleepy Eye, 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 - Sleepy Eye profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5252) · FFIEC NIC profile (RSSD 861658)