Security Bank & 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%.
Accumulated other comprehensive income dropped 131.0% in Q2 2026, from $1.1M to -$348K. It was the largest change from Q1 2026 among the key lines here. Security Bank & Trust Company ranks 82nd of 161 Minnesota banks on CET1 ratio, in the lower half at 13.90% (Q2 2026). Security Bank & Trust Company reported 13.90% on CET1 ratio for Q2 2026, 0.42 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.90% |
| Tier 1 risk-based capital ratio | 13.90% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 9.37% |
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 | $122.0M |
| Tier 1 capital | $122.0M |
| Total risk-based capital | $131.3M |
| Total equity capital | $124.7M |
| Risk-weighted assets | $877.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.39% |
| Tangible equity to tangible assets | 9.18% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 21.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $74.2M |
| Retained earnings | $50.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$348K |
| 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 | 15.58% | 15.58% | 16.83% | 9.04% | $410.1M |
| Q4 2023 | 15.31% | 15.31% | 16.56% | 9.06% | $429.4M |
| Q1 2024 | 12.35% | 12.35% | 13.48% | 7.83% | $502.3M |
| Q2 2024 | 12.39% | 12.39% | 13.47% | 8.71% | $793.2M |
| Q3 2024 | 12.38% | 12.38% | 13.53% | 8.54% | $787.2M |
| Q4 2024 | 12.91% | 12.91% | 14.05% | 8.75% | $791.3M |
| Q1 2025 | 13.73% | 13.73% | 14.72% | 8.99% | $771.8M |
| Q2 2025 | 13.33% | 13.33% | 14.29% | 9.02% | $817.4M |
| Q3 2025 | 12.89% | 12.89% | 13.87% | 8.58% | $836.7M |
| Q4 2025 | 13.47% | 13.47% | 14.54% | 8.91% | $851.5M |
| Q1 2026 | 14.01% | 14.01% | 15.10% | 9.35% | $853.1M |
| Q2 2026 | 13.90% | 13.90% | 14.96% | 9.37% | $877.7M |
Security Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank & 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15324) · FFIEC NIC profile (RSSD 1001059)