Security Bank Midwest: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.52% +1.52 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $32.2M | 32,225 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $306.2M | 306,235 | RCOAA224 |
| Recomputed ratio | 10.52% | numerator / denominator | |
| Filed ratio | 10.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.52 pp | $4.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 15,436 | 15,436 | 15,436 | 15,436 | 15,436 | 15,436 | RCOAP742 |
| Retained earnings | 16,789 | 17,474 | 16,722 | 16,314 | 15,806 | 15,369 | RCOAKW00 |
| Accumulated other comprehensive income | (3,663) | (3,888) | (4,117) | (4,356) | (4,640) | (4,567) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,562 | 29,022 | 28,041 | 27,394 | 26,602 | 26,238 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,663 | 3,888 | 4,117 | 4,356 | 4,640 | 4,567 | P859 - P840 |
| Common equity Tier 1 capital | 32,225 | 32,910 | 32,158 | 31,750 | 31,242 | 30,805 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,225 | 32,910 | 32,158 | 31,750 | 31,242 | 30,805 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 306,235 | 320,427 | 327,366 | 323,688 | 330,600 | 336,280 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.52% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.27% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.82% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.81% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.45% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.16% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.15% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.15% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 8.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 8.99% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.67% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.91% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Security Bank Midwest (this bank) | CBLR | NA | NA | NA | 10.52% | |
| Valley Bank of Commerce | $304.1M | Risk-based | 23.30% | 23.30% | 24.56% | 14.47% |
| Global Bank | $304.2M | CBLR | NA | NA | NA | 12.11% |
| Citizens Guaranty Bank | $303.6M | Risk-based | 11.22% | 11.22% | 12.47% | 8.65% |
| Valuebank Texas | $303.6M | CBLR | NA | NA | NA | 12.54% |
| Community Bank & Trust Company | $303.5M | Risk-based | 12.45% | 12.45% | 13.70% | 8.28% |
| Tompkins State Bank | $303.5M | Risk-based | 14.96% | 14.96% | 15.74% | 9.82% |
| First Heritage Bank | $303.4M | CBLR | NA | NA | NA | 9.05% |
| Citizens National Bank at Brownwood | $303.4M | CBLR | NA | NA | NA | 10.47% |
| The Claxton Bank | $304.8M | Risk-based | 15.39% | 15.39% | 16.65% | 12.60% |
| Savings Bank | $304.8M | CBLR | NA | NA | NA | 13.60% |
| Peer 25th percentile | 12.45% | 12.45% | 13.70% | 9.24% | ||
| Peer median | 14.96% | 14.96% | 15.74% | 11.29% | ||
| Peer 75th percentile | 15.39% | 15.39% | 16.65% | 12.59% | ||
| This bank's percentile | NA | NA | NA | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/435255/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.