Security Savings Bank: 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 12.97% +3.97 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 | $31.7M | 31,666 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $244.2M | 244,224 | RCOAA224 |
| Recomputed ratio | 12.97% | numerator / denominator | |
| Filed ratio | 12.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.97 pp | $9.7M | 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 | 8,978 | 8,978 | 8,978 | 8,978 | 8,978 | 8,978 | RCOAP742 |
| Retained earnings | 22,688 | 22,215 | 21,511 | 20,867 | 20,431 | 19,838 | RCOAKW00 |
| Accumulated other comprehensive income | (4,269) | (4,108) | (4,143) | (4,601) | (5,718) | (5,698) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,397 | 27,085 | 26,346 | 25,244 | 23,691 | 23,118 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,269 | 4,108 | 4,143 | 4,601 | 5,718 | 5,698 | P859 - P840 |
| Common equity Tier 1 capital | 31,666 | 31,193 | 30,489 | 29,845 | 29,409 | 28,816 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,666 | 31,193 | 30,489 | 29,845 | 29,409 | 28,816 | 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 | 244,224 | 249,754 | 247,618 | 245,988 | 249,817 | 249,234 | 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 | 12.97% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.13% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.77% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.98% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.78% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.91% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.85% | 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 Savings Bank (this bank) | CBLR | NA | NA | NA | 12.97% | |
| Firstoak Bank | $241.2M | CBLR | NA | NA | NA | 10.48% |
| Nebraska Bank of Commerce | $241.2M | Risk-based | 11.86% | 11.86% | 13.12% | 9.56% |
| Method Bank | $241.2M | CBLR | NA | NA | NA | 9.80% |
| Adams County Bank | $241.1M | Risk-based | 16.81% | 16.81% | 17.84% | 11.82% |
| TIAA Trust, N.A. | $241.1M | Risk-based | 413.35% | 413.35% | 413.35% | 92.86% |
| Bank of Grandin | $241.0M | CBLR | NA | NA | NA | 14.66% |
| First Bank Hampton | $240.9M | CBLR | NA | NA | NA | 11.61% |
| National Bank & Trust | $242.0M | CBLR | NA | NA | NA | 10.83% |
| The Commercial Bank of Grayson | $242.0M | Risk-based | 17.60% | 17.60% | 18.85% | 11.01% |
| Valley Bank of Nevada | $240.8M | Risk-based | 15.56% | 15.56% | 16.81% | 10.31% |
| Peer 25th percentile | 15.56% | 15.56% | 16.81% | 10.36% | ||
| Peer median | 16.81% | 16.81% | 17.84% | 10.92% | ||
| Peer 75th percentile | 17.60% | 17.60% | 18.85% | 11.76% | ||
| This bank's percentile | NA | NA | NA | 80 |
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/708379/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.