First Security State 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.
Total equity capital fell 4.1% from Q1 2026 to Q2 2026, ending at $9.2M against $9.6M. It was the largest change among the key lines on this page. Within Texas, First Security State Bank is 65th of 184 on CET1 ratio, 19.90% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First Security State Bank sits 4.81 points higher, at 19.90% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.90% |
| Tier 1 risk-based capital ratio | 19.90% |
| Total risk-based capital ratio | 20.97% |
| Tier 1 leverage ratio | 7.60% |
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 | $14.1M |
| Tier 1 capital | $14.1M |
| Total risk-based capital | $14.8M |
| Total equity capital | $9.2M |
| Risk-weighted assets | $70.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.03% |
| Tangible equity to tangible assets | 4.70% |
| Equity capital to average assets | 4.97% |
| Internal capital growth rate | 7.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.7M |
| Retained earnings | $7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 17.16% | 17.16% | 18.23% | 7.74% | $70.8M |
| Q4 2023 | 17.21% | 17.21% | 18.30% | 7.72% | $71.7M |
| Q1 2024 | 17.73% | 17.73% | 18.86% | 7.79% | $70.2M |
| Q2 2024 | 17.79% | 17.79% | 18.90% | 7.87% | $70.6M |
| Q3 2024 | 18.59% | 18.59% | 19.73% | 7.66% | $69.1M |
| Q4 2024 | 18.82% | 18.82% | 19.94% | 7.53% | $69.3M |
| Q1 2025 | 19.40% | 19.40% | 20.53% | 7.51% | $68.1M |
| Q2 2025 | 18.78% | 18.78% | 19.86% | 7.40% | $71.2M |
| Q3 2025 | 18.99% | 18.99% | 20.05% | 7.28% | $71.2M |
| Q4 2025 | 19.03% | 19.03% | 20.10% | 7.45% | $71.9M |
| Q1 2026 | 19.60% | 19.60% | 20.69% | 7.63% | $70.7M |
| Q2 2026 | 19.90% | 19.90% | 20.97% | 7.60% | $70.6M |
First Security State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security State 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 First Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11932) · FFIEC NIC profile (RSSD 819154)