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%.
Compared with Q1 2026, Risk-weighted assets rose 6.5% in Q2 2026 to $134.4M, the biggest move on this page. On CET1 ratio, Security Bank and Trust Company is 1st from the bottom among 71 Oklahoma banks, 9.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Security Bank and Trust Company sits 5.43 points lower, at 9.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.64% |
| Tier 1 risk-based capital ratio | 9.64% |
| Total risk-based capital ratio | 10.90% |
| Tier 1 leverage ratio | 8.04% |
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 | $13.0M |
| Tier 1 capital | $13.0M |
| Total risk-based capital | $14.6M |
| Total equity capital | $12.6M |
| Risk-weighted assets | $134.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.54% |
| Tangible equity to tangible assets | 7.11% |
| Equity capital to average assets | 7.78% |
| Internal capital growth rate | -1.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $6.2M |
| Retained earnings | $5.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | — | — | — | 9.14% | — |
| Q4 2023 | — | — | — | 8.76% | — |
| Q1 2024 | 10.15% | 10.15% | 11.33% | 8.43% | $117.2M |
| Q2 2024 | 10.69% | 10.69% | 11.89% | 8.86% | $116.9M |
| Q3 2024 | 10.24% | 10.24% | 11.45% | 8.57% | $121.2M |
| Q4 2024 | 10.16% | 10.16% | 11.41% | 8.23% | $119.5M |
| Q1 2025 | 10.57% | 10.57% | 11.82% | 8.62% | $119.4M |
| Q2 2025 | 10.07% | 10.07% | 11.32% | 8.32% | $123.5M |
| Q3 2025 | 10.30% | 10.30% | 11.55% | 8.32% | $121.6M |
| Q4 2025 | 10.26% | 10.26% | 11.51% | 8.31% | $121.6M |
| Q1 2026 | 10.31% | 10.31% | 11.57% | 8.63% | $126.2M |
| Q2 2026 | 9.64% | 9.64% | 10.90% | 8.04% | $134.4M |
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 9881) · FFIEC NIC profile (RSSD 19356)