Security Savings 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.68 percentage points to 14.66%. Within Iowa, Security Savings Bank is 40th of 114 on CET1 ratio, 15.15% as of Q2 2026, above the middle of the field. At 15.15%, Security Savings Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.15% |
| Tier 1 risk-based capital ratio | 15.15% |
| Total risk-based capital ratio | 16.40% |
| Tier 1 leverage ratio | 13.17% |
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 | $25.3M |
| Tier 1 capital | $25.3M |
| Total risk-based capital | $27.4M |
| Total equity capital | $28.4M |
| Risk-weighted assets | $167.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.66% |
| Tangible equity to tangible assets | 12.99% |
| Equity capital to average assets | 14.49% |
| Internal capital growth rate | 8.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $5.6M |
| Retained earnings | $23.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$644K |
| 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 | 13.08% | 13.08% | 14.33% | 10.01% | $147.3M |
| Q4 2023 | 12.76% | 12.76% | 14.00% | 10.08% | $153.1M |
| Q1 2024 | 13.25% | 13.25% | 14.50% | 10.29% | $150.9M |
| Q2 2024 | 13.77% | 13.77% | 15.02% | 10.62% | $147.6M |
| Q3 2024 | 13.84% | 13.84% | 15.09% | 11.32% | $151.1M |
| Q4 2024 | 14.07% | 14.07% | 15.32% | 11.36% | $150.9M |
| Q1 2025 | 14.47% | 14.47% | 15.72% | 11.67% | $150.2M |
| Q2 2025 | 14.68% | 14.68% | 15.94% | 11.75% | $150.6M |
| Q3 2025 | 15.37% | 15.37% | 16.62% | 13.10% | $154.2M |
| Q4 2025 | 15.09% | 15.09% | 16.34% | 12.72% | $159.5M |
| Q1 2026 | 14.76% | 14.76% | 16.01% | 12.98% | $167.6M |
| Q2 2026 | 15.15% | 15.15% | 16.40% | 13.17% | $167.1M |
Security Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14208) · FFIEC NIC profile (RSSD 616540)