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.
Equity capital to total assets rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 9.82% against 9.47%. It was the largest change among the key lines on this page. Within Tennessee, Security Bank is 30th of 71 on CET1 ratio, 14.22% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Security Bank sits 0.86 points lower, at 14.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.22% |
| Tier 1 risk-based capital ratio | 14.22% |
| Total risk-based capital ratio | 14.99% |
| Tier 1 leverage ratio | 10.53% |
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 | $23.8M |
| Tier 1 capital | $23.8M |
| Total risk-based capital | $25.1M |
| Total equity capital | $22.0M |
| Risk-weighted assets | $167.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.82% |
| Tangible equity to tangible assets | 9.82% |
| Equity capital to average assets | 9.74% |
| Internal capital growth rate | -1.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $3.4M |
| Retained earnings | $20.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 15.36% | 15.36% | 16.14% | 10.40% | $150.7M |
| Q4 2023 | 14.80% | 14.80% | 15.56% | 10.44% | $154.7M |
| Q1 2024 | 15.04% | 15.04% | 15.82% | 10.69% | $153.3M |
| Q2 2024 | 15.32% | 15.32% | 16.10% | 11.06% | $152.0M |
| Q3 2024 | 14.95% | 14.95% | 15.70% | 11.05% | $157.3M |
| Q4 2024 | 15.06% | 15.06% | 15.83% | 10.56% | $153.1M |
| Q1 2025 | 14.70% | 14.70% | 15.45% | 10.62% | $157.7M |
| Q2 2025 | 15.01% | 15.01% | 15.76% | 10.86% | $156.8M |
| Q3 2025 | 14.47% | 14.47% | 15.20% | 10.83% | $164.3M |
| Q4 2025 | 14.36% | 14.36% | 15.10% | 10.31% | $163.5M |
| Q1 2026 | 14.34% | 14.34% | 15.09% | 10.28% | $166.4M |
| Q2 2026 | 14.22% | 14.22% | 14.99% | 10.53% | $167.4M |
Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2391) · FFIEC NIC profile (RSSD 497851)