Security Bank, S.B.: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.63 percentage points to 9.28%. Within Illinois, Security Bank, S.B. is 65th of 198 on CET1 ratio, 18.26% as of Q2 2026. Security Bank, S.B. reported 18.26% on CET1 ratio for Q2 2026, 3.18 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.26% |
| Tier 1 risk-based capital ratio | 18.26% |
| Total risk-based capital ratio | 19.14% |
| Tier 1 leverage ratio | 10.09% |
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 | $24.9M |
| Tier 1 capital | $24.9M |
| Total risk-based capital | $26.0M |
| Total equity capital | $22.7M |
| Risk-weighted assets | $136.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.28% |
| Tangible equity to tangible assets | 9.28% |
| Equity capital to average assets | 9.19% |
| Internal capital growth rate | 8.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $6.3M |
| Retained earnings | $19.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | 15.78% | 15.78% | 17.02% | 9.05% | $110.4M |
| Q4 2023 | 15.71% | 15.71% | 16.94% | 8.49% | $108.8M |
| Q1 2024 | 15.91% | 15.91% | 17.26% | 7.98% | $108.8M |
| Q2 2024 | 16.17% | 16.17% | 17.55% | 8.05% | $108.4M |
| Q3 2024 | 15.26% | 15.26% | 16.47% | 7.74% | $114.5M |
| Q4 2024 | 15.73% | 15.73% | 16.85% | 8.07% | $115.1M |
| Q1 2025 | 16.37% | 16.37% | 17.43% | 8.22% | $111.8M |
| Q2 2025 | 16.35% | 16.35% | 17.41% | 9.15% | $114.0M |
| Q3 2025 | 21.51% | 21.51% | 22.56% | 11.98% | $115.6M |
| Q4 2025 | 19.87% | 19.87% | 20.73% | 10.63% | $120.3M |
| Q1 2026 | 18.86% | 18.86% | 19.76% | 9.75% | $129.4M |
| Q2 2026 | 18.26% | 18.26% | 19.14% | 10.09% | $136.1M |
Security Bank, S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, S.B., 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, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27723) · FFIEC NIC profile (RSSD 218878)