Security Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.15% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.15% (RCOAH311).
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.
Common equity Tier 1 ratio 10.27% +3.77 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $53.8M | 53,788 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $523.7M | 523,670 | RCOAA223 |
| Recomputed ratio | 10.27% | numerator / denominator | |
| Filed ratio | 10.27% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.77 pp | $19.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.27% +2.27 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $53.8M | 53,788 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $523.7M | 523,670 | RCOAA223 |
| Recomputed ratio | 10.27% | numerator / denominator | |
| Filed ratio | 10.27% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.27 pp | $11.9M | capital that could be lost first |
Total risk-based capital ratio 11.15% +1.15 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $58.4M | 58,373 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $523.7M | 523,670 | RCOAA223 |
| Recomputed ratio | 11.15% | numerator / denominator | |
| Filed ratio | 11.15% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.15 pp | $6.0M | capital that could be lost first |
Tier 1 leverage ratio 9.38% +4.38 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $53.8M | 53,788 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $573.4M | 573,353 | RCOAA224 |
| Recomputed ratio | 9.38% | numerator / denominator | |
| Filed ratio | 9.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.38 pp | $25.1M | 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 | 34,081 | 34,081 | 34,081 | 32,081 | 32,081 | 32,081 | RCOAP742 |
| Retained earnings | 23,809 | 22,731 | 22,269 | 23,724 | 22,944 | 22,069 | RCOAKW00 |
| Accumulated other comprehensive income | (403) | (545) | (685) | (852) | (1,190) | (1,565) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 57,487 | 56,267 | 55,665 | 54,953 | 53,835 | 52,585 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,699) | (3,557) | (3,417) | (3,250) | (2,912) | (2,537) | P859 - P840 |
| Common equity Tier 1 capital | 53,788 | 52,710 | 52,248 | 51,703 | 50,923 | 50,048 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 53,788 | 52,710 | 52,248 | 51,703 | 50,923 | 50,048 | RCOA8274 |
| Tier 2 capital | 4,585 | 4,575 | 4,577 | 4,577 | 4,578 | 4,577 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,585 | 4,575 | 4,577 | 4,577 | 4,578 | 4,577 | RCOA5310 |
| Total capital | 58,373 | 57,285 | 56,825 | 56,280 | 55,501 | 54,625 | RCOA3792 |
| Total risk-weighted assets | 523,670 | 494,210 | 474,374 | 428,359 | 424,120 | 417,617 | RCOAA223 |
| Average total assets for the leverage ratio | 573,353 | 537,035 | 546,312 | 512,552 | 549,301 | 517,496 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $59.1M | $1.3M | 2.17% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $24.7M | $4.8M | 19.41% | 0.92% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $25.6M | $5.1M | 20.00% | 0.98% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $64.2M | $34.8M | 54.21% | 6.65% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $636K | $954K | 150.00% | 0.18% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $190K | $285K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $362.1M | $360.9M | 99.68% | 68.92% | RC-R Part II, item 4.d, 5.d |
| All other assets | $21.8M | $21.1M | 96.81% | 4.02% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $7.5M | $94.2M | 1250.00% | 17.99% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $166K | $166K | 100.00% | 0.03% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $56K | NA | 0.01% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $523.6M | does not tie to item 31 ($523.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $523.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $523.7M | RCONG641, ties |
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 | Risk-based | 10.27% | 10.27% | 11.15% | 9.38% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.67% | 10.67% | 11.59% | 9.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.01% | 11.01% | 11.98% | 9.56% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.07% | 12.07% | 13.14% | 10.09% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.01% | 12.01% | 13.09% | 9.27% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.98% | 11.98% | 13.08% | 9.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.74% | 11.74% | 12.83% | 9.20% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.85% | 11.85% | 13.00% | 9.60% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.01% | 12.01% | 13.20% | 9.21% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.44% | 12.44% | 13.67% | 9.72% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.46% | 12.46% | 13.70% | 9.31% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.83% | 12.83% | 14.08% | 9.59% | 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) | Risk-based | 10.27% | 10.27% | 11.15% | 9.38% | |
| Chickasaw Community Bank | $557.1M | Risk-based | 19.98% | 19.98% | 21.24% | 11.03% |
| Northwestern Mutual Wealth Management Company | $557.7M | CBLR | NA | NA | NA | 54.95% |
| Central State Bank | $557.8M | CBLR | NA | NA | NA | 10.43% |
| First State Bank | $558.1M | CBLR | NA | NA | NA | 9.80% |
| First Pryority Bank | $558.1M | CBLR | NA | NA | NA | 10.55% |
| Sunmark Community Bank | $556.6M | CBLR | NA | NA | NA | 14.61% |
| Mountain Valley Bank | $556.5M | CBLR | NA | NA | NA | 10.51% |
| Community Resource Bank | $556.4M | Risk-based | 13.97% | 13.97% | 15.22% | 10.52% |
| Texas Traditions Bank | $555.9M | CBLR | NA | NA | NA | 9.39% |
| Peer 25th percentile | 15.47% | 15.47% | 16.72% | 10.43% | ||
| Peer median | 16.98% | 16.98% | 18.23% | 10.52% | ||
| Peer 75th percentile | 18.48% | 18.48% | 19.73% | 11.03% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/811747/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.