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.
In Q2 2026, Risk-weighted assets edged up by 2.3%, from $799.8M to $818.5M, the largest move among the key lines here. Security Bank ranks 45th of 71 Oklahoma banks on CET1 ratio, in the lower half at 13.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Security Bank sits 1.75 points lower, at 13.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.34% |
| Tier 1 risk-based capital ratio | 13.34% |
| Total risk-based capital ratio | 14.60% |
| Tier 1 leverage ratio | 11.84% |
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 | $109.2M |
| Tier 1 capital | $109.2M |
| Total risk-based capital | $119.5M |
| Total equity capital | $108.6M |
| Risk-weighted assets | $818.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.57% |
| Tangible equity to tangible assets | 11.57% |
| Equity capital to average assets | 11.78% |
| Internal capital growth rate | 3.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $25.7M |
| Retained earnings | $83.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$516K |
| 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 | 12.36% | 12.36% | 13.62% | 11.13% | $717.5M |
| Q4 2023 | 12.06% | 12.06% | 13.32% | 11.02% | $744.7M |
| Q1 2024 | 12.25% | 12.25% | 13.51% | 11.32% | $762.3M |
| Q2 2024 | 12.11% | 12.11% | 13.36% | 11.23% | $774.6M |
| Q3 2024 | 12.58% | 12.58% | 13.84% | 11.37% | $766.4M |
| Q4 2024 | 12.30% | 12.30% | 13.56% | 11.12% | $785.7M |
| Q1 2025 | 12.84% | 12.84% | 14.10% | 11.55% | $790.9M |
| Q2 2025 | 12.88% | 12.88% | 14.14% | 11.42% | $791.2M |
| Q3 2025 | 13.26% | 13.26% | 14.52% | 11.33% | $775.6M |
| Q4 2025 | 13.26% | 13.26% | 14.52% | 11.36% | $780.5M |
| Q1 2026 | 13.54% | 13.54% | 14.80% | 12.01% | $799.8M |
| Q2 2026 | 13.34% | 13.34% | 14.60% | 11.84% | $818.5M |
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 4178) · FFIEC NIC profile (RSSD 516855)