Security Bank and Trust Company: 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%.
Accumulated other comprehensive income climbed 21.8% in Q2 2026, from -$5.3M to -$4.1M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Security Bank and Trust Company is 31st of 71 on CET1 ratio, 14.09% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Security Bank and Trust Company sits 0.61 points higher, at 14.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.09% |
| Tier 1 risk-based capital ratio | 14.09% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 10.92% |
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 | $180.0M |
| Tier 1 capital | $180.0M |
| Total risk-based capital | $183.2M |
| Total equity capital | $182.6M |
| Risk-weighted assets | $1.28B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.75% |
| Tangible equity to tangible assets | 10.40% |
| Equity capital to average assets | 11.03% |
| Internal capital growth rate | 10.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15K |
| Common stock surplus | $115.6M |
| Retained earnings | $71.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 14.04% | 14.04% | 14.42% | 10.62% | $879.1M |
| Q4 2023 | 14.16% | 14.16% | 14.52% | 10.68% | $891.1M |
| Q1 2024 | 14.01% | 14.01% | 14.36% | 10.53% | $908.1M |
| Q2 2024 | 14.13% | 14.13% | 14.48% | 10.61% | $916.8M |
| Q3 2024 | 14.35% | 14.35% | 14.69% | 10.91% | $924.7M |
| Q4 2024 | 14.51% | 14.51% | 14.81% | 12.10% | $1.08B |
| Q1 2025 | 14.56% | 14.56% | 14.85% | 10.85% | $1.10B |
| Q2 2025 | 14.49% | 14.49% | 14.78% | 11.14% | $1.14B |
| Q3 2025 | 14.75% | 14.75% | 15.03% | 11.25% | $1.15B |
| Q4 2025 | 14.73% | 14.73% | 15.01% | 11.43% | $1.17B |
| Q1 2026 | 14.33% | 14.33% | 14.59% | 11.14% | $1.22B |
| Q2 2026 | 14.09% | 14.09% | 14.34% | 10.92% | $1.28B |
Security Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9172) · FFIEC NIC profile (RSSD 118156)