Security Federal Savings Bank of McMinnville: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.20% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.20% (RCOAH311).
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.
Common equity Tier 1 ratio 15.12% +8.62 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $45.2M | 45,178 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $298.8M | 298,783 | RCOAA223 |
| Recomputed ratio | 15.12% | numerator / denominator | |
| Filed ratio | 15.12% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.62 pp | $25.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.12% +7.12 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $45.2M | 45,178 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $298.8M | 298,783 | RCOAA223 |
| Recomputed ratio | 15.12% | numerator / denominator | |
| Filed ratio | 15.12% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.12 pp | $21.3M | capital that could be lost first |
Total risk-based capital ratio 16.20% +6.20 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $48.4M | 48,389 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $298.8M | 298,783 | RCOAA223 |
| Recomputed ratio | 16.20% | numerator / denominator | |
| Filed ratio | 16.20% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.20 pp | $18.5M | capital that could be lost first |
Tier 1 leverage ratio 11.91% +6.91 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $45.2M | 45,178 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $379.2M | 379,176 | RCOAA224 |
| Recomputed ratio | 11.91% | numerator / denominator | |
| Filed ratio | 11.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.91 pp | $26.2M | 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 | 4,126 | 4,126 | 4,126 | 4,126 | 4,126 | 4,126 | RCOAP742 |
| Retained earnings | 41,052 | 39,781 | 38,339 | 36,612 | 35,121 | 34,236 | RCOAKW00 |
| Accumulated other comprehensive income | (919) | (903) | (841) | (1,033) | (1,238) | (1,486) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 44,259 | 43,004 | 41,624 | 39,705 | 38,009 | 36,876 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 919 | 903 | 841 | 1,033 | 1,238 | 1,486 | P859 - P840 |
| Common equity Tier 1 capital | 45,178 | 43,907 | 42,465 | 40,738 | 39,247 | 38,362 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 45,178 | 43,907 | 42,465 | 40,738 | 39,247 | 38,362 | RCOA8274 |
| Tier 2 capital | 3,211 | 3,176 | 3,179 | 3,109 | 3,079 | 3,087 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,211 | 3,176 | 3,179 | 3,109 | 3,079 | 3,087 | RCOA5310 |
| Total capital | 48,389 | 47,083 | 45,644 | 43,847 | 42,326 | 41,449 | RCOA3792 |
| Total risk-weighted assets | 298,783 | 297,991 | 292,924 | 288,086 | 283,795 | 279,159 | RCOAA223 |
| Average total assets for the leverage ratio | 379,176 | 373,184 | 374,556 | 377,452 | 388,439 | 372,869 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $30.2M | $5.2M | 17.27% | 1.74% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $32.7M | $5.3M | 16.10% | 1.76% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $150.6M | $93.5M | 62.12% | 31.30% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $4K | $6K | 150.00% | 0.00% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $163.5M | $163.5M | 100.00% | 54.72% | RC-R Part II, item 4.d, 5.d |
| All other assets | $11.8M | $11.5M | 97.04% | 3.84% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $18.5M | $18.5M | 100.00% | 6.18% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.4M | NA | 0.45% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $297.4M | ties to item 31 ($297.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $298.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $298.8M | RCONG641, ties |
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 | Risk-based | 15.12% | 15.12% | 16.20% | 11.91% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.73% | 14.73% | 15.80% | 11.77% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.50% | 14.50% | 15.58% | 11.34% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.14% | 14.14% | 15.22% | 10.79% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.83% | 13.83% | 14.91% | 10.10% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.74% | 13.74% | 14.85% | 10.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.06% | 14.06% | 15.22% | 10.59% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.69% | 13.69% | 14.65% | 10.63% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.52% | 13.52% | 14.47% | 10.44% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.82% | 13.82% | 14.80% | 10.61% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.81% | 13.81% | 14.80% | 10.69% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.63% | 13.63% | 14.60% | 10.56% | 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 of McMinnville (this bank) | Risk-based | 15.12% | 15.12% | 16.20% | 11.91% | |
| First National Bank of Clarksdale | $386.1M | CBLR | NA | NA | NA | 12.83% |
| First United National Bank | $385.8M | Risk-based | 16.79% | 16.79% | 17.35% | 8.16% |
| Yoakum Bank | $385.8M | CBLR | NA | NA | NA | 9.43% |
| Wolf River Community Bank | $385.8M | CBLR | NA | NA | NA | 12.42% |
| First National Bank & Trust | $386.4M | Risk-based | 15.32% | 15.32% | 16.58% | 9.48% |
| Farmers State Bank | $385.4M | Risk-based | 14.09% | 14.09% | 14.90% | 9.03% |
| American Continental Bank | $385.3M | CBLR | NA | NA | NA | 16.23% |
| The Home Loan Savings Bank | $386.7M | Risk-based | 14.63% | 14.63% | 15.88% | 11.68% |
| Central Bank | $386.8M | CBLR | NA | NA | NA | 9.11% |
| Peer 25th percentile | 14.49% | 14.49% | 15.64% | 9.11% | ||
| Peer median | 14.98% | 14.98% | 16.23% | 9.48% | ||
| Peer 75th percentile | 15.69% | 15.69% | 16.77% | 12.42% | ||
| This bank's percentile | 50 | 50 | 50 | 67 |
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/631178/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.