Security Bank Minnesota: 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%.
The standout move of Q2 2026 was in Retained earnings: 17.2% higher than in Q1 2026, at $3.2M. Within Minnesota, Security Bank Minnesota is 100th of 161 on CET1 ratio, 13.15% as of Q2 2026, below the middle of the field. Security Bank Minnesota reported 13.15% on CET1 ratio for Q2 2026, 1.92 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 9.78% |
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 | $14.8M |
| Tier 1 capital | $14.8M |
| Total risk-based capital | $16.2M |
| Total equity capital | $14.6M |
| Risk-weighted assets | $112.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
| Equity capital to average assets | 9.70% |
| Internal capital growth rate | 13.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $11.4M |
| Retained earnings | $3.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$127K |
| 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 | 12.38% | 12.38% | 13.63% | 11.01% | $127.6M |
| Q4 2023 | 12.28% | 12.28% | 13.53% | 10.81% | $128.3M |
| Q1 2024 | 10.85% | 10.85% | 12.10% | 9.51% | $129.9M |
| Q2 2024 | 11.36% | 11.36% | 12.61% | 9.61% | $125.4M |
| Q3 2024 | 11.91% | 11.91% | 13.15% | 9.89% | $120.8M |
| Q4 2024 | 11.90% | 11.90% | 12.91% | 10.02% | $120.9M |
| Q1 2025 | 12.43% | 12.43% | 13.64% | 9.67% | $113.4M |
| Q2 2025 | 13.03% | 13.03% | 14.25% | 9.68% | $110.3M |
| Q3 2025 | 13.84% | 13.84% | 15.09% | 10.10% | $107.1M |
| Q4 2025 | 13.28% | 13.28% | 14.44% | 10.06% | $112.0M |
| Q1 2026 | 13.07% | 13.07% | 14.33% | 9.52% | $109.4M |
| Q2 2026 | 13.15% | 13.15% | 14.40% | 9.78% | $112.4M |
Security Bank Minnesota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10984) · FFIEC NIC profile (RSSD 295057)