The 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.
Retained earnings climbed 33.5% in Q2 2026, from $3.7M to $4.9M. It was the largest change from Q1 2026 among the key lines here.
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 | 8.29% |
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 | $25.6M |
| Tier 1 capital | $25.6M |
| Total risk-based capital | — |
| Total equity capital | $28.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.52% |
| Tangible equity to tangible assets | 7.25% |
| Equity capital to average assets | 9.09% |
| Internal capital growth rate | 17.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25.3M |
| Common stock surplus | $0 |
| Retained earnings | $4.9M |
| 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 | 12.13% | 12.13% | 13.08% | 9.82% | $104.8M |
| Q4 2023 | 10.84% | 10.84% | 11.67% | 9.51% | $115.8M |
| Q1 2024 | 10.86% | 10.86% | 11.69% | 9.53% | $116.4M |
| Q2 2024 | 9.87% | 9.87% | 10.63% | 9.26% | $129.0M |
| Q3 2024 | — | — | — | 9.02% | — |
| Q4 2024 | — | — | — | 9.28% | — |
| Q1 2025 | — | — | — | 9.27% | — |
| Q2 2025 | — | — | — | 9.38% | — |
| Q3 2025 | — | — | — | 9.10% | — |
| Q4 2025 | — | — | — | 8.37% | — |
| Q1 2026 | — | — | — | 9.78% | — |
| Q2 2026 | — | — | — | 8.29% | — |
The First Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4041) · FFIEC NIC profile (RSSD 49951)