Security Financial 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: 16.1% higher than in Q1 2026, at -$7.7M. Within Wisconsin, Security Financial Bank is 60th of 85 on CET1 ratio, 11.98% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Security Financial Bank sits 1.50 points lower, at 11.98% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.98% |
| Tier 1 risk-based capital ratio | 11.98% |
| Total risk-based capital ratio | 13.23% |
| Tier 1 leverage ratio | 9.67% |
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 | $100.6M |
| Tier 1 capital | $100.6M |
| Total risk-based capital | $111.1M |
| Total equity capital | $99.2M |
| Risk-weighted assets | $839.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.53% |
| Tangible equity to tangible assets | 8.96% |
| Equity capital to average assets | 9.48% |
| Internal capital growth rate | 12.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $51.2M |
| Retained earnings | $54.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.7M |
| 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 | 11.66% | 11.66% | 12.91% | 9.03% | $667.0M |
| Q4 2023 | 11.30% | 11.30% | 12.55% | 9.07% | $702.4M |
| Q1 2024 | 11.70% | 11.70% | 12.95% | 9.16% | $721.3M |
| Q2 2024 | 11.72% | 11.72% | 12.97% | 9.26% | $738.0M |
| Q3 2024 | 11.83% | 11.83% | 13.09% | 9.16% | $744.9M |
| Q4 2024 | 12.01% | 12.01% | 13.26% | 9.26% | $748.2M |
| Q1 2025 | 11.79% | 11.79% | 13.04% | 9.38% | $767.6M |
| Q2 2025 | 11.83% | 11.83% | 13.08% | 9.48% | $780.7M |
| Q3 2025 | 11.65% | 11.65% | 12.90% | 9.27% | $800.6M |
| Q4 2025 | 11.75% | 11.75% | 13.00% | 9.51% | $827.5M |
| Q1 2026 | 11.71% | 11.71% | 12.96% | 9.48% | $832.6M |
| Q2 2026 | 11.98% | 11.98% | 13.23% | 9.67% | $839.7M |
Security Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14222) · FFIEC NIC profile (RSSD 450959)