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 0.53 percentage points to 11.35%.
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 | 12.97% |
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 | $31.7M |
| Tier 1 capital | $31.7M |
| Total risk-based capital | — |
| Total equity capital | $27.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.35% |
| Tangible equity to tangible assets | 11.35% |
| Equity capital to average assets | 11.22% |
| Internal capital growth rate | 6.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $9.0M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 10.85% | 7.18% | 7.18% |
| Q4 2023 | 10.91% | 7.97% | 7.97% |
| Q1 2024 | 10.53% | 8.32% | 8.32% |
| Q2 2024 | 10.78% | 8.56% | 8.56% |
| Q3 2024 | 10.98% | 9.40% | 9.40% |
| Q4 2024 | 11.23% | 9.05% | 9.05% |
| Q1 2025 | 11.56% | 9.51% | 9.51% |
| Q2 2025 | 11.77% | 9.97% | 9.97% |
| Q3 2025 | 12.13% | 10.39% | 10.39% |
| Q4 2025 | 12.31% | 10.64% | 10.64% |
| Q1 2026 | 12.49% | 10.82% | 10.82% |
| Q2 2026 | 12.97% | 11.35% | 11.35% |
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 28925) · FFIEC NIC profile (RSSD 708379)