Security Bank of the Ozarks: 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 5.0% in Q2 2026 to $113.7M, the biggest move on this page. Within Missouri, Security Bank of the Ozarks is 88th of 98 on CET1 ratio, 10.40% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Security Bank of the Ozarks sits 4.68 points lower, at 10.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.40% |
| Tier 1 risk-based capital ratio | 10.40% |
| Total risk-based capital ratio | 11.40% |
| Tier 1 leverage ratio | 7.62% |
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 | $11.8M |
| Tier 1 capital | $11.8M |
| Total risk-based capital | $13.0M |
| Total equity capital | $10.7M |
| Risk-weighted assets | $113.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.90% |
| Tangible equity to tangible assets | 6.51% |
| Equity capital to average assets | 6.86% |
| Internal capital growth rate | 6.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $8.3M |
| Retained earnings | $4.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 9.85% | 9.85% | 10.80% | 7.10% | $102.6M |
| Q4 2023 | 10.55% | 10.55% | 11.51% | 7.67% | $101.6M |
| Q1 2024 | 10.23% | 10.23% | 11.20% | 7.60% | $104.8M |
| Q2 2024 | 10.10% | 10.10% | 11.12% | 7.40% | $104.6M |
| Q3 2024 | 10.26% | 10.26% | 11.24% | 7.22% | $105.4M |
| Q4 2024 | 10.18% | 10.18% | 11.13% | 7.39% | $109.3M |
| Q1 2025 | 10.11% | 10.11% | 11.13% | 7.26% | $110.9M |
| Q2 2025 | 10.66% | 10.66% | 11.62% | 7.50% | $108.4M |
| Q3 2025 | 11.12% | 11.12% | 12.17% | 7.59% | $107.4M |
| Q4 2025 | 10.90% | 10.90% | 11.86% | 7.47% | $107.6M |
| Q1 2026 | 10.76% | 10.76% | 11.80% | 7.38% | $108.3M |
| Q2 2026 | 10.40% | 10.40% | 11.40% | 7.62% | $113.7M |
Security Bank of the Ozarks regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of the Ozarks, 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 of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18033) · FFIEC NIC profile (RSSD 956358)