Security Bank USA: 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 Accumulated other comprehensive income: 12.3% higher than in Q1 2026, at -$979K. Security Bank USA ranks 90th of 161 Minnesota banks on CET1 ratio, in the lower half at 13.47% (Q2 2026). Security Bank USA reported 13.47% on CET1 ratio for Q2 2026, 1.60 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 | 13.47% |
| Tier 1 risk-based capital ratio | 13.47% |
| Total risk-based capital ratio | 14.72% |
| Tier 1 leverage ratio | 9.36% |
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 | $25.1M |
| Tier 1 capital | $25.1M |
| Total risk-based capital | $27.4M |
| Total equity capital | $24.1M |
| Risk-weighted assets | $186.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.14% |
| Tangible equity to tangible assets | 9.14% |
| Equity capital to average assets | 8.99% |
| Internal capital growth rate | -15.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $17.4M |
| Retained earnings | $7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$979K |
| 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 | 13.46% | 13.46% | 14.71% | 9.32% | $165.3M |
| Q4 2023 | 13.03% | 13.03% | 14.28% | 9.19% | $168.0M |
| Q1 2024 | 13.73% | 13.73% | 14.98% | 9.37% | $164.6M |
| Q2 2024 | 13.59% | 13.59% | 14.84% | 9.39% | $167.4M |
| Q3 2024 | 14.11% | 14.11% | 15.36% | 9.56% | $167.0M |
| Q4 2024 | 13.92% | 13.92% | 15.17% | 9.30% | $168.6M |
| Q1 2025 | 13.68% | 13.68% | 14.93% | 9.38% | $168.8M |
| Q2 2025 | 13.49% | 13.49% | 14.74% | 9.48% | $173.4M |
| Q3 2025 | 13.47% | 13.47% | 14.73% | 9.56% | $179.2M |
| Q4 2025 | 14.08% | 14.08% | 15.33% | 9.62% | $176.6M |
| Q1 2026 | 14.46% | 14.46% | 15.71% | 9.74% | $180.5M |
| Q2 2026 | 13.47% | 13.47% | 14.72% | 9.36% | $186.3M |
Security Bank USA regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank USA, 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 USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1604) · FFIEC NIC profile (RSSD 950758)