Security First 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 31.9% higher than in Q1 2026, at $91.0M. Security First Bank has the 4th lowest CET1 ratio of the 57 banks headquartered in Nebraska, at 11.03% as of Q2 2026. Security First Bank reported 11.03% on CET1 ratio for Q2 2026, 2.46 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.03% |
| Tier 1 risk-based capital ratio | 11.03% |
| Total risk-based capital ratio | 12.25% |
| Tier 1 leverage ratio | 8.30% |
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 | $188.9M |
| Tier 1 capital | $188.9M |
| Total risk-based capital | $209.8M |
| Total equity capital | $217.0M |
| Risk-weighted assets | $1.71B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.35% |
| Tangible equity to tangible assets | 8.16% |
| Equity capital to average assets | 9.40% |
| Internal capital growth rate | 11.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $91.0M |
| Retained earnings | $126.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 10.73% | 10.73% | 11.87% | 8.22% | $1.39B |
| Q4 2023 | 10.53% | 10.53% | 11.68% | 8.24% | $1.40B |
| Q1 2024 | 10.80% | 10.80% | 11.99% | 7.89% | $1.39B |
| Q2 2024 | 10.95% | 10.95% | 12.13% | 7.93% | $1.41B |
| Q3 2024 | 11.34% | 11.34% | 12.57% | 8.14% | $1.40B |
| Q4 2024 | 11.31% | 11.31% | 12.52% | 7.83% | $1.40B |
| Q1 2025 | 11.10% | 11.10% | 12.35% | 7.84% | $1.46B |
| Q2 2025 | 11.13% | 11.13% | 12.26% | 8.25% | $1.50B |
| Q3 2025 | 11.37% | 11.37% | 12.56% | 8.54% | $1.51B |
| Q4 2025 | 11.30% | 11.30% | 12.42% | 8.22% | $1.57B |
| Q1 2026 | 11.39% | 11.39% | 12.59% | 8.40% | $1.59B |
| Q2 2026 | 11.03% | 11.03% | 12.25% | 8.30% | $1.71B |
Security First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5415) · FFIEC NIC profile (RSSD 276850)