Security First Bank of North Dakota: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 12.99% +3.99 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $38.3M | 38,287 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $294.6M | 294,632 | RCOAA224 |
| Recomputed ratio | 12.99% | numerator / denominator | |
| Filed ratio | 12.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.99 pp | $11.8M | 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 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | RCOAP742 |
| Retained earnings | 34,287 | 33,223 | 31,920 | 30,792 | 30,066 | 29,191 | RCOAKW00 |
| Accumulated other comprehensive income | (493) | (507) | (449) | (564) | (694) | (845) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 37,794 | 36,716 | 35,471 | 34,228 | 33,372 | 32,346 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 493 | 507 | 449 | 564 | 694 | 845 | P859 - P840 |
| Common equity Tier 1 capital | 38,287 | 37,223 | 35,920 | 34,792 | 34,066 | 33,191 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,287 | 37,223 | 35,920 | 34,792 | 34,066 | 33,191 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 294,632 | 286,441 | 278,584 | 276,279 | 277,523 | 271,281 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 12.99% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.99% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.89% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.59% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.28% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.23% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.40% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.63% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.32% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.55% | 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 First Bank of North Dakota (this bank) | CBLR | NA | NA | NA | 12.99% | |
| The First National Bank of Milaca | $293.2M | Risk-based | 17.35% | 17.35% | 18.48% | 10.77% |
| Three Rivers Bank of Montana | $293.1M | CBLR | NA | NA | NA | 11.72% |
| Castle Rock Bank | $293.5M | Risk-based | 26.35% | 26.35% | 27.61% | 14.19% |
| First Federal Savings and Loan Association of Newark | $293.5M | CBLR | NA | NA | NA | 14.18% |
| Community 1st Bank Las Vegas | $293.9M | Risk-based | 21.93% | 21.93% | 22.98% | 10.02% |
| First National Bank & Trust, Elk City, Oklahoma | $294.0M | CBLR | NA | NA | NA | 13.09% |
| Charter Bank | $292.3M | Risk-based | 17.52% | 17.52% | 18.78% | 11.30% |
| Peer 25th percentile | 17.48% | 17.48% | 18.70% | 11.03% | ||
| Peer median | 19.73% | 19.73% | 20.88% | 11.72% | ||
| Peer 75th percentile | 23.04% | 23.04% | 24.14% | 13.63% | ||
| This bank's percentile | NA | NA | NA | 57 |
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/693952/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.