First Security Bank - West: 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 Total risk-based capital ratio: 4.48 percentage points higher than in Q1 2026, at 47.23%. First Security Bank - West has the highest CET1 ratio of the 25 banks headquartered in North Dakota, 45.99% as of Q2 2026. First Security Bank - West's CET1 ratio of 45.99% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 26.02 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 45.99% |
| Tier 1 risk-based capital ratio | 45.99% |
| Total risk-based capital ratio | 47.23% |
| Tier 1 leverage ratio | 12.87% |
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 | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $10.0M |
| Total equity capital | $8.5M |
| Risk-weighted assets | $21.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.37% |
| Tangible equity to tangible assets | 11.37% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 9.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $4.1M |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 29.95% | 29.95% | 31.21% | 12.43% | $29.4M |
| Q4 2023 | 29.67% | 29.67% | 30.94% | 12.96% | $30.6M |
| Q1 2024 | 28.66% | 28.66% | 29.92% | 11.49% | $29.1M |
| Q2 2024 | 28.66% | 28.66% | 29.77% | 10.69% | $27.3M |
| Q3 2024 | 29.08% | 29.08% | 30.01% | 11.88% | $27.9M |
| Q4 2024 | 31.21% | 31.21% | 32.34% | 12.00% | $26.7M |
| Q1 2025 | 33.97% | 33.97% | 35.17% | 11.99% | $25.3M |
| Q2 2025 | 33.65% | 33.65% | 34.82% | 12.15% | $26.3M |
| Q3 2025 | 36.69% | 36.69% | 37.92% | 13.13% | $25.0M |
| Q4 2025 | 36.42% | 36.42% | 37.09% | 13.53% | $26.0M |
| Q1 2026 | 41.65% | 41.65% | 42.75% | 13.43% | $23.0M |
| Q2 2026 | 45.99% | 45.99% | 47.23% | 12.87% | $21.2M |
First Security Bank - West regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank - West, 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 - West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10253) · FFIEC NIC profile (RSSD 969059)