Security Financial Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.23% (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: 5.23% (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 11.98% +5.48 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 | $100.6M | 100,566 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $839.7M | 839,723 | RCOAA223 |
| Recomputed ratio | 11.98% | numerator / denominator | |
| Filed ratio | 11.98% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.48 pp | $46.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.98% +3.98 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 | $100.6M | 100,566 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $839.7M | 839,723 | RCOAA223 |
| Recomputed ratio | 11.98% | numerator / denominator | |
| Filed ratio | 11.98% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.98 pp | $33.4M | capital that could be lost first |
Total risk-based capital ratio 13.23% +3.23 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 | $111.1M | 111,070 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $839.7M | 839,723 | RCOAA223 |
| Recomputed ratio | 13.23% | numerator / denominator | |
| Filed ratio | 13.23% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.23 pp | $27.1M | capital that could be lost first |
Tier 1 leverage ratio 9.67% +4.67 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 | $100.6M | 100,566 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.04B | 1,040,142 | RCOAA224 |
| Recomputed ratio | 9.67% | numerator / denominator | |
| Filed ratio | 9.67% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.67 pp | $48.6M | 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 | 52,365 | 52,365 | 52,365 | 52,365 | 52,365 | 52,365 | RCOAP742 |
| Retained earnings | 54,462 | 51,436 | 51,237 | 47,255 | 46,389 | 44,594 | RCOAKW00 |
| Accumulated other comprehensive income | (7,662) | (9,137) | (7,031) | (8,513) | (11,200) | (12,782) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 99,165 | 94,664 | 96,571 | 91,107 | 87,554 | 84,177 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,401 | 2,834 | 686 | 2,139 | 4,784 | 6,324 | P859 - P840 |
| Common equity Tier 1 capital | 100,566 | 97,498 | 97,257 | 93,246 | 92,338 | 90,501 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 100,566 | 97,498 | 97,257 | 93,246 | 92,338 | 90,501 | RCOA8274 |
| Tier 2 capital | 10,504 | 10,414 | 10,347 | 10,013 | 9,764 | 9,600 | RCOA5311 |
| Allowance includable in Tier 2 capital | 10,504 | 10,414 | 10,347 | 10,013 | 9,764 | 9,600 | RCOA5310 |
| Total capital | 111,070 | 107,912 | 107,604 | 103,259 | 102,102 | 100,101 | RCOA3792 |
| Total risk-weighted assets | 839,723 | 832,603 | 827,454 | 800,577 | 780,664 | 767,583 | RCOAA223 |
| Average total assets for the leverage ratio | 1,040,142 | 1,028,973 | 1,022,948 | 1,005,938 | 974,116 | 964,984 | 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 | $17.7M | $2.4M | 13.67% | 0.29% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $231.2M | $43.5M | 18.83% | 5.18% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $323K | $65K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $117.2M | $67.1M | 57.21% | 7.98% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $10.7M | $16.1M | 150.00% | 1.91% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $630.0M | $599.5M | 95.16% | 71.34% | RC-R Part II, item 4.d, 5.d |
| All other assets | $41.7M | $36.2M | 86.95% | 4.31% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $2.1M | $26.5M | 1250.00% | 3.15% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $38.2M | $38.2M | 100.00% | 4.54% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $10.8M | NA | 1.28% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $829.5M | does not tie to item 31 ($838.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $840.3M | RCONB704 |
| Less: excess allowance for credit losses | $593K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $839.7M | 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 | 11.98% | 11.98% | 13.23% | 9.67% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.71% | 11.71% | 12.96% | 9.48% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.75% | 11.75% | 13.00% | 9.51% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.65% | 11.65% | 12.90% | 9.27% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.83% | 11.83% | 13.08% | 9.48% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.79% | 11.79% | 13.04% | 9.38% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.01% | 12.01% | 13.26% | 9.26% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.83% | 11.83% | 13.09% | 9.16% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.72% | 11.72% | 12.97% | 9.26% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.70% | 11.70% | 12.95% | 9.16% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.30% | 11.30% | 12.55% | 9.07% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.66% | 11.66% | 12.91% | 9.03% | 12.78% | 12.79% | 13.93% | 10.03% |
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 Financial Bank (this bank) | Risk-based | 11.98% | 11.98% | 13.23% | 9.67% | |
| Superior National Bank | $1.04B | Risk-based | 17.27% | 17.27% | 18.47% | 11.70% |
| First Southern Bank | $1.04B | CBLR | NA | NA | NA | 10.85% |
| The Freedom Bank of Virginia | $1.04B | Risk-based | 13.66% | 13.66% | 14.63% | 11.06% |
| BNC National Bank | $1.05B | Risk-based | 14.87% | 14.87% | 15.89% | 12.21% |
| Brentwood Bank | $1.05B | CBLR | NA | NA | NA | 9.75% |
| Ubank | $1.05B | CBLR | NA | NA | NA | 10.46% |
| Magyar Bank | $1.05B | Risk-based | 14.89% | 14.89% | 15.97% | 11.29% |
| Security State Bank | $1.03B | Risk-based | 11.96% | 11.96% | 12.84% | 10.23% |
| Bank of the James | $1.03B | Risk-based | 11.80% | 11.80% | 12.66% | 9.38% |
| Firstier Bank | $1.05B | Risk-based | 13.34% | 13.34% | 14.60% | 11.43% |
| Peer 25th percentile | 12.65% | 12.65% | 13.72% | 10.29% | ||
| Peer median | 13.66% | 13.66% | 14.63% | 10.96% | ||
| Peer 75th percentile | 14.88% | 14.88% | 15.93% | 11.40% | ||
| This bank's percentile | 29 | 29 | 29 | 10 |
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/450959/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.