The Security National Bank of Enid: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.48% (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: 10.48% (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 17.22% +10.72 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 | $35.4M | 35,417 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $205.6M | 205,622 | RCOAA223 |
| Recomputed ratio | 17.22% | numerator / denominator | |
| Filed ratio | 17.22% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.72 pp | $22.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.22% +9.22 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 | $35.4M | 35,417 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $205.6M | 205,622 | RCOAA223 |
| Recomputed ratio | 17.22% | numerator / denominator | |
| Filed ratio | 17.22% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.22 pp | $19.0M | capital that could be lost first |
Total risk-based capital ratio 18.48% +8.48 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 | $38.0M | 37,993 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $205.6M | 205,622 | RCOAA223 |
| Recomputed ratio | 18.48% | numerator / denominator | |
| Filed ratio | 18.48% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.48 pp | $17.4M | capital that could be lost first |
Tier 1 leverage ratio 8.74% +3.74 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 | $35.4M | 35,417 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $405.2M | 405,188 | RCOAA224 |
| Recomputed ratio | 8.74% | numerator / denominator | |
| Filed ratio | 8.74% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.74 pp | $15.2M | 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 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | RCOAP742 |
| Retained earnings | 27,417 | 26,963 | 26,533 | 26,806 | 26,395 | 26,012 | RCOAKW00 |
| Accumulated other comprehensive income | (1,923) | (1,140) | (1,027) | (1,235) | (2,525) | (2,783) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,494 | 33,823 | 33,506 | 33,571 | 31,870 | 31,229 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,923 | 1,140 | 1,027 | 1,235 | 2,525 | 2,783 | P859 - P840 |
| Common equity Tier 1 capital | 35,417 | 34,963 | 34,533 | 34,806 | 34,395 | 34,012 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,417 | 34,963 | 34,533 | 34,806 | 34,395 | 34,012 | RCOA8274 |
| Tier 2 capital | 2,576 | 2,553 | 2,552 | 2,416 | 2,458 | 2,502 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,576 | 2,553 | 2,552 | 2,416 | 2,458 | 2,502 | RCOA5310 |
| Total capital | 37,993 | 37,516 | 37,085 | 37,222 | 36,853 | 36,514 | RCOA3792 |
| Total risk-weighted assets | 205,622 | 203,753 | 203,695 | 192,667 | 196,057 | 199,420 | RCOAA223 |
| Average total assets for the leverage ratio | 405,188 | 390,598 | 376,368 | 389,158 | 398,081 | 386,355 | 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 | $20.2M | $361K | 1.78% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $142.7M | $13.6M | 9.51% | 6.59% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.5M | $310K | 20.00% | 0.15% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $91.5M | $47.4M | 51.81% | 22.99% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $181K | $272K | 150.00% | 0.13% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $144.1M | $133.6M | 92.70% | 64.82% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.0M | $3.3M | 66.10% | 1.59% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.5M | $7.3M | 97.93% | 3.55% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $206.1M | ties to item 31 ($206.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $206.1M | RCONB704 |
| Less: excess allowance for credit losses | $505K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $205.6M | 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 | 17.22% | 17.22% | 18.48% | 8.74% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.16% | 17.16% | 18.41% | 8.95% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.95% | 16.95% | 18.21% | 9.18% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 18.07% | 18.07% | 19.32% | 8.94% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.54% | 17.54% | 18.80% | 8.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.06% | 17.06% | 18.31% | 8.80% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.87% | 16.87% | 18.13% | 8.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.60% | 17.60% | 18.86% | 8.87% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.60% | 17.60% | 18.86% | 8.63% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.38% | 16.38% | 17.64% | 8.87% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.60% | 16.60% | 17.86% | 9.29% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.66% | 17.66% | 18.92% | 9.23% | 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 |
|---|---|---|---|---|---|---|
| The Security National Bank of Enid (this bank) | Risk-based | 17.22% | 17.22% | 18.48% | 8.74% | |
| Big Horn Federal Savings Bank | $399.8M | Risk-based | 22.38% | 22.38% | 23.63% | 11.32% |
| The Garrett State Bank | $399.7M | Risk-based | 17.89% | 17.89% | 19.14% | 10.47% |
| Pony Express Bank | $399.5M | Risk-based | 12.10% | 12.10% | 13.35% | 10.15% |
| Liberty Bank N.A. | $399.2M | Risk-based | 19.38% | 19.38% | 20.63% | 14.44% |
| Bankcherokee | $401.9M | Risk-based | 15.52% | 15.52% | 16.77% | 11.01% |
| First State Bank | $402.0M | Risk-based | 16.50% | 16.50% | 16.76% | 11.23% |
| Crown Bank | $402.0M | Risk-based | 11.04% | 11.04% | 12.19% | 8.43% |
| Bank of St. Francisville | $398.7M | CBLR | NA | NA | NA | 9.87% |
| Mutual Savings Association | $398.6M | Risk-based | 31.86% | 31.86% | 32.95% | 23.84% |
| Greenway Bank | $402.3M | Risk-based | 14.33% | 14.33% | 15.21% | 8.50% |
| Peer 25th percentile | 14.33% | 14.33% | 15.21% | 9.94% | ||
| Peer median | 16.50% | 16.50% | 16.77% | 10.74% | ||
| Peer 75th percentile | 19.38% | 19.38% | 20.63% | 11.30% | ||
| This bank's percentile | 56 | 56 | 56 | 20 |
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/119153/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.