Security National Trust Co.: 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 Retained earnings: 22.3% higher than in Q1 2026, at $4.6M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 87.19% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.0M |
| Tier 1 capital | $7.0M |
| Total risk-based capital | — |
| Total equity capital | $7.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 83.95% |
| Tangible equity to tangible assets | 83.11% |
| Equity capital to average assets | 87.21% |
| Internal capital growth rate | 51.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.5M |
| Retained earnings | $4.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $12K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 117.02% | 83.85% | 83.85% |
| Q4 2023 | 98.05% | 83.20% | 83.20% |
| Q1 2024 | 100.00% | 84.81% | 84.81% |
| Q2 2024 | 101.17% | 84.98% | 84.98% |
| Q3 2024 | 117.08% | 84.58% | 84.58% |
| Q4 2024 | 90.58% | 84.57% | 84.57% |
| Q1 2025 | 122.91% | 82.82% | 82.82% |
| Q2 2025 | 86.14% | 84.09% | 84.09% |
| Q3 2025 | 85.34% | 84.12% | 83.21% |
| Q4 2025 | 64.19% | 80.96% | 79.63% |
| Q1 2026 | 84.52% | 82.81% | 81.77% |
| Q2 2026 | 87.19% | 83.95% | 83.11% |
Security National Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security National Trust Co., 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 National Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2912750)