Security Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.96% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.96% (RCOAH311).
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.
Common equity Tier 1 ratio 13.90% +7.40 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $122.0M | 122,040 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $877.7M | 877,699 | RCOAA223 |
| Recomputed ratio | 13.90% | numerator / denominator | |
| Filed ratio | 13.90% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.40 pp | $65.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.90% +5.90 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $122.0M | 122,040 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $877.7M | 877,699 | RCOAA223 |
| Recomputed ratio | 13.90% | numerator / denominator | |
| Filed ratio | 13.90% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.90 pp | $51.8M | capital that could be lost first |
Total risk-based capital ratio 14.96% +4.96 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $131.3M | 131,280 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $877.7M | 877,699 | RCOAA223 |
| Recomputed ratio | 14.96% | numerator / denominator | |
| Filed ratio | 14.96% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.96 pp | $43.5M | capital that could be lost first |
Tier 1 leverage ratio 9.37% +4.37 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $122.0M | 122,040 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.30B | 1,302,274 | RCOAA224 |
| Recomputed ratio | 9.37% | numerator / denominator | |
| Filed ratio | 9.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.37 pp | $56.9M | 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 | 74,268 | 74,268 | 74,268 | 74,268 | 74,268 | 74,268 | RCOAP742 |
| Retained earnings | 50,797 | 48,613 | 44,068 | 37,551 | 38,950 | 36,366 | RCOAKW00 |
| Accumulated other comprehensive income | (348) | 1,123 | 4,309 | 3,111 | 2,036 | 415 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 124,717 | 124,004 | 122,645 | 114,930 | 115,254 | 111,049 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,677) | (4,439) | (7,933) | (7,061) | (6,335) | (5,089) | P859 - P840 |
| Common equity Tier 1 capital | 122,040 | 119,565 | 114,712 | 107,869 | 108,919 | 105,960 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 122,040 | 119,565 | 114,712 | 107,869 | 108,919 | 105,960 | RCOA8274 |
| Tier 2 capital | 9,240 | 9,297 | 9,120 | 8,206 | 7,894 | 7,665 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,240 | 9,297 | 9,120 | 8,206 | 7,894 | 7,665 | RCOA5310 |
| Total capital | 131,280 | 128,862 | 123,832 | 116,075 | 116,813 | 113,625 | RCOA3792 |
| Total risk-weighted assets | 877,699 | 853,142 | 851,467 | 836,690 | 817,391 | 771,774 | RCOAA223 |
| Average total assets for the leverage ratio | 1,302,274 | 1,279,255 | 1,287,125 | 1,256,523 | 1,207,311 | 1,178,812 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $41.0M | $1.8M | 4.32% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $400.1M | $41.3M | 10.32% | 4.71% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.9M | $572K | 20.00% | 0.07% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $213.1M | $115.0M | 53.96% | 13.10% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.4M | $3.7M | 150.00% | 0.42% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $649.5M | $640.0M | 98.53% | 72.92% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.0M | $21.5M | 82.64% | 2.45% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $56.2M | $53.9M | 95.89% | 6.14% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $877.7M | ties to item 31 ($877.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $877.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $877.7M | RCONG641, ties |
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 | Risk-based | 13.90% | 13.90% | 14.96% | 9.37% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.01% | 14.01% | 15.10% | 9.35% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.47% | 13.47% | 14.54% | 8.91% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.89% | 12.89% | 13.87% | 8.58% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.33% | 13.33% | 14.29% | 9.02% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.73% | 13.73% | 14.72% | 8.99% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.91% | 12.91% | 14.05% | 8.75% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.38% | 12.38% | 13.53% | 8.54% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.39% | 12.39% | 13.47% | 8.71% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.35% | 12.35% | 13.48% | 7.83% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 15.31% | 15.31% | 16.56% | 9.06% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.58% | 15.58% | 16.83% | 9.04% | 12.78% | 12.79% | 13.93% | 10.03% |
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 & Trust Company (this bank) | Risk-based | 13.90% | 13.90% | 14.96% | 9.37% | |
| Amalgamated Bank of Chicago | $1.33B | Risk-based | 15.60% | 15.60% | 16.63% | 11.41% |
| Summit Bank | $1.33B | CBLR | NA | NA | NA | 11.34% |
| Martha's Vineyard Bank | $1.33B | CBLR | NA | NA | NA | 11.75% |
| Wells Fargo Trust Company, N.A. | $1.33B | Risk-based | 386.74% | 386.74% | 386.74% | 95.95% |
| Cass Commercial Bank | $1.33B | Risk-based | 17.16% | 17.16% | 18.40% | 14.10% |
| Skyline National Bank | $1.33B | Risk-based | 10.97% | 10.97% | 11.86% | 8.81% |
| Alliance Bank Central Texas | $1.32B | CBLR | NA | NA | NA | 11.76% |
| Patriot Bank, N.A. | $1.32B | Risk-based | 13.22% | 13.22% | 14.15% | 9.60% |
| First Oklahoma Bank | $1.34B | CBLR | NA | NA | NA | 9.07% |
| Liberty National Bank | $1.32B | Risk-based | 14.38% | 14.38% | 15.47% | 10.31% |
| Peer 25th percentile | 13.51% | 13.51% | 14.48% | 9.78% | ||
| Peer median | 14.99% | 14.99% | 16.05% | 11.37% | ||
| Peer 75th percentile | 16.77% | 16.77% | 17.96% | 11.76% | ||
| This bank's percentile | 33 | 33 | 33 | 20 |
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/1001059/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.