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 Risk-weighted assets, which rose 6.0% to $523.7M. On CET1 ratio, Security Savings Bank is 1st from the bottom among 36 South Dakota banks, 10.27% (Q2 2026). Security Savings Bank reported 10.27% on CET1 ratio for Q2 2026, 4.80 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.27% |
| Tier 1 risk-based capital ratio | 10.27% |
| Total risk-based capital ratio | 11.15% |
| Tier 1 leverage ratio | 9.38% |
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 | $53.8M |
| Tier 1 capital | $53.8M |
| Total risk-based capital | $58.4M |
| Total equity capital | $57.5M |
| Risk-weighted assets | $523.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.31% |
| Tangible equity to tangible assets | 9.65% |
| Equity capital to average assets | 9.96% |
| Internal capital growth rate | 7.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $444K |
| Common stock surplus | $33.6M |
| Retained earnings | $23.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$403K |
| 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 | 12.83% | 12.83% | 14.08% | 9.59% | $372.0M |
| Q4 2023 | 12.46% | 12.46% | 13.70% | 9.31% | $383.7M |
| Q1 2024 | 12.44% | 12.44% | 13.67% | 9.72% | $385.5M |
| Q2 2024 | 12.01% | 12.01% | 13.20% | 9.21% | $401.4M |
| Q3 2024 | 11.85% | 11.85% | 13.00% | 9.60% | $413.0M |
| Q4 2024 | 11.74% | 11.74% | 12.83% | 9.20% | $420.9M |
| Q1 2025 | 11.98% | 11.98% | 13.08% | 9.67% | $417.6M |
| Q2 2025 | 12.01% | 12.01% | 13.09% | 9.27% | $424.1M |
| Q3 2025 | 12.07% | 12.07% | 13.14% | 10.09% | $428.4M |
| Q4 2025 | 11.01% | 11.01% | 11.98% | 9.56% | $474.4M |
| Q1 2026 | 10.67% | 10.67% | 11.59% | 9.81% | $494.2M |
| Q2 2026 | 10.27% | 10.27% | 11.15% | 9.38% | $523.7M |
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 15734) · FFIEC NIC profile (RSSD 811747)