Security Federal Savings 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 15.5% higher than in Q1 2026, at -$3.0M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.96% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $50.4M |
| Tier 1 capital | $50.4M |
| Total risk-based capital | — |
| Total equity capital | $47.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.20% |
| Tangible equity to tangible assets | 10.20% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 7.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $5.0M |
| Retained earnings | $45.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 15.62% | 15.62% | 16.82% | 10.58% | $255.7M |
| Q4 2023 | 15.45% | 15.45% | 16.63% | 10.69% | $261.4M |
| Q1 2024 | 15.33% | 15.33% | 16.51% | 10.71% | $266.6M |
| Q2 2024 | 15.19% | 15.19% | 16.36% | 10.84% | $271.2M |
| Q3 2024 | 14.87% | 14.87% | 15.99% | 10.74% | $279.5M |
| Q4 2024 | 14.41% | 14.41% | 15.51% | 10.58% | $290.2M |
| Q1 2025 | 14.33% | 14.33% | 15.42% | 10.14% | $293.2M |
| Q2 2025 | 13.93% | 13.93% | 15.00% | 9.96% | $304.1M |
| Q3 2025 | 13.86% | 13.86% | 14.93% | 9.85% | $310.0M |
| Q4 2025 | — | — | — | 9.71% | — |
| Q1 2026 | — | — | — | 9.81% | — |
| Q2 2026 | — | — | — | 10.96% | — |
Security Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28894) · FFIEC NIC profile (RSSD 32971)