Security Federal Bank: 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, Equity capital to total assets rose 0.42 percentage points in Q2 2026 to 9.83%, the biggest move on this page. Within South Carolina, Security Federal Bank is 8th of 30 on CET1 ratio, 19.98% as of Q2 2026, above the middle of the field. Security Federal Bank reported 19.98% on CET1 ratio for Q2 2026, 6.50 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.98% |
| Tier 1 risk-based capital ratio | 19.98% |
| Total risk-based capital ratio | 21.23% |
| Tier 1 leverage ratio | 10.83% |
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 | $170.4M |
| Tier 1 capital | $170.4M |
| Total risk-based capital | $181.1M |
| Total equity capital | $151.3M |
| Risk-weighted assets | $853.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 9.76% |
| Equity capital to average assets | 9.61% |
| Internal capital growth rate | 9.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $45.8M |
| Retained earnings | $125.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.3M |
| 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 | 18.08% | 18.08% | 19.33% | 10.11% | $811.2M |
| Q4 2023 | 18.24% | 18.24% | 19.49% | 9.83% | $823.2M |
| Q1 2024 | 18.01% | 18.01% | 19.27% | 9.91% | $842.1M |
| Q2 2024 | 18.24% | 18.24% | 19.49% | 10.23% | $842.8M |
| Q3 2024 | 17.96% | 17.96% | 19.21% | 10.27% | $867.9M |
| Q4 2024 | 18.71% | 18.71% | 19.96% | 9.88% | $848.5M |
| Q1 2025 | 18.90% | 18.90% | 20.16% | 10.58% | $858.5M |
| Q2 2025 | 19.20% | 19.20% | 20.46% | 10.54% | $857.4M |
| Q3 2025 | 18.67% | 18.67% | 19.93% | 10.14% | $861.1M |
| Q4 2025 | 19.30% | 19.30% | 20.56% | 10.18% | $848.1M |
| Q1 2026 | 19.75% | 19.75% | 21.01% | 10.54% | $844.4M |
| Q2 2026 | 19.98% | 19.98% | 21.23% | 10.83% | $853.2M |
Security Federal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Bank, 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31100) · FFIEC NIC profile (RSSD 763677)