Security Federal Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 10.96% +1.96 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $50.4M | 50,428 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $460.0M | 459,975 | RCOAA224 |
| Recomputed ratio | 10.96% | numerator / denominator | |
| Filed ratio | 10.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.96 pp | $9.0M | 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 | 5,000 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 45,428 | 44,669 | 43,756 | 42,976 | 42,363 | 42,010 | RCOAKW00 |
| Accumulated other comprehensive income | (3,046) | (3,603) | (3,293) | (3,778) | (4,401) | (4,419) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 47,382 | 41,066 | 40,463 | 39,198 | 37,962 | 37,591 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,046 | 3,603 | 3,293 | 3,778 | 4,401 | 4,419 | P859 - P840 |
| Common equity Tier 1 capital | 50,428 | 44,669 | 43,756 | 42,976 | 42,363 | 42,010 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 50,428 | 44,669 | 43,756 | 42,976 | 42,363 | 42,010 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 3,315 | 3,256 | 3,202 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 3,315 | 3,256 | 3,202 | |
| Total capital | NA | NA | NA | 46,291 | 45,619 | 45,212 | |
| Total risk-weighted assets | NA | NA | NA | 309,986 | 304,070 | 293,175 | |
| Average total assets for the leverage ratio | 459,975 | 455,271 | 450,765 | 436,338 | 425,347 | 414,253 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 10.96% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.71% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.86% | 13.86% | 14.93% | 9.85% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.93% | 13.93% | 15.00% | 9.96% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.33% | 14.33% | 15.42% | 10.14% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.41% | 14.41% | 15.51% | 10.58% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.87% | 14.87% | 15.99% | 10.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.19% | 15.19% | 16.36% | 10.84% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.33% | 15.33% | 16.51% | 10.71% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.45% | 15.45% | 16.63% | 10.69% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.62% | 15.62% | 16.82% | 10.58% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Federal Savings Bank (this bank) | CBLR | NA | NA | NA | 10.96% | |
| The Commercial Bank | $463.7M | CBLR | NA | NA | NA | 10.72% |
| Elderton State Bank | $465.2M | CBLR | NA | NA | NA | 12.09% |
| Willamette Valley Bank | $465.4M | CBLR | NA | NA | NA | 16.99% |
| Local Bank | $463.1M | Risk-based | 13.13% | 13.13% | 13.75% | 11.35% |
| Alden State Bank | $463.1M | Risk-based | 22.56% | 22.56% | 23.65% | 15.18% |
| Robertson Banking Company | $462.7M | Risk-based | 14.86% | 14.86% | 16.11% | 11.26% |
| Citizens Bank | $466.3M | Risk-based | 21.98% | 21.98% | 23.23% | 13.48% |
| Peer 25th percentile | 14.42% | 14.42% | 15.52% | 11.31% | ||
| Peer median | 18.42% | 18.42% | 19.67% | 12.09% | ||
| Peer 75th percentile | 22.12% | 22.12% | 23.33% | 14.33% | ||
| This bank's percentile | NA | NA | NA | 14 |
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/32971/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.