Security Federal Savings Bank of McMinnville: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.2% to $41.1M. Security Federal Savings Bank of McMinnville ranks 21st of 71 Tennessee banks on CET1 ratio, in the upper half at 15.12% (Q2 2026). At 15.12%, Security Federal Savings Bank of McMinnville's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.20% |
| Tier 1 leverage ratio | 11.91% |
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 | $45.2M |
| Tier 1 capital | $45.2M |
| Total risk-based capital | $48.4M |
| Total equity capital | $44.3M |
| Risk-weighted assets | $298.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.47% |
| Tangible equity to tangible assets | 11.47% |
| Equity capital to average assets | 11.67% |
| Internal capital growth rate | 11.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $4.1M |
| Retained earnings | $41.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$919K |
| 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 | 13.63% | 13.63% | 14.60% | 10.56% | $241.0M |
| Q4 2023 | 13.81% | 13.81% | 14.80% | 10.69% | $243.6M |
| Q1 2024 | 13.82% | 13.82% | 14.80% | 10.61% | $250.4M |
| Q2 2024 | 13.52% | 13.52% | 14.47% | 10.44% | $260.2M |
| Q3 2024 | 13.69% | 13.69% | 14.65% | 10.63% | $264.5M |
| Q4 2024 | 14.06% | 14.06% | 15.22% | 10.59% | $265.5M |
| Q1 2025 | 13.74% | 13.74% | 14.85% | 10.29% | $279.2M |
| Q2 2025 | 13.83% | 13.83% | 14.91% | 10.10% | $283.8M |
| Q3 2025 | 14.14% | 14.14% | 15.22% | 10.79% | $288.1M |
| Q4 2025 | 14.50% | 14.50% | 15.58% | 11.34% | $292.9M |
| Q1 2026 | 14.73% | 14.73% | 15.80% | 11.77% | $298.0M |
| Q2 2026 | 15.12% | 15.12% | 16.20% | 11.91% | $298.8M |
Security Federal Savings Bank of McMinnville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Savings Bank of McMinnville, 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 of McMinnville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31146) · FFIEC NIC profile (RSSD 631178)