Security State Bank: Regulatory Capital and Risk-Weighted Assets
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As of 1Q25, from Call Report Schedule RC-R.
Capital conservation buffer: 34.00% (1Q25), 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: 34.00% (RCOAH311).
What each ratio is made of, 1Q25
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 40.73% +34.23 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 | $103.0M | 103,036 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $253.0M | 252,954 | RCOAA223 |
| Recomputed ratio | 40.73% | numerator / denominator | |
| Filed ratio | 40.73% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +34.23 pp | $86.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 40.73% +32.73 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 | $103.0M | 103,036 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $253.0M | 252,954 | RCOAA223 |
| Recomputed ratio | 40.73% | numerator / denominator | |
| Filed ratio | 40.73% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +32.73 pp | $82.8M | capital that could be lost first |
Total risk-based capital ratio 42.00% +32.00 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 | $106.2M | 106,245 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $253.0M | 252,954 | RCOAA223 |
| Recomputed ratio | 42.00% | numerator / denominator | |
| Filed ratio | 42.00% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +32.00 pp | $81.0M | capital that could be lost first |
Tier 1 leverage ratio 16.77% +11.77 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 | $103.0M | 103,036 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $614.5M | 614,510 | RCOAA224 |
| Recomputed ratio | 16.77% | numerator / denominator | |
| Filed ratio | 16.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.77 pp | $72.3M | 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 | 1Q25 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 11,875 | RCOAP742 |
| Retained earnings | 92,550 | RCOAKW00 |
| Accumulated other comprehensive income | (16) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 104,409 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,373) | P859 - P840 |
| Common equity Tier 1 capital | 103,036 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 103,036 | RCOA8274 |
| Tier 2 capital | 3,209 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,209 | RCOA5310 |
| Total capital | 106,245 | RCOA3792 |
| Total risk-weighted assets | 252,954 | RCOAA223 |
| Average total assets for the leverage ratio | 614,510 | RCOAA224 |
Risk-weighted assets by exposure category, 1Q25
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 |
|---|---|---|---|---|---|
| Market risk and other approaches | NA | $256.7M | NA | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $256.7M | RCONB704 |
| Less: excess allowance for credit losses | $3.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $253.0M | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1Q25 | Risk-based | 40.73% | 40.73% | 42.00% | 16.77% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 38.95% | 38.95% | 40.22% | 15.94% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 37.80% | 37.80% | 39.07% | 15.94% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 36.69% | 36.69% | 37.96% | 15.74% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 35.44% | 35.44% | 36.71% | 15.23% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 33.95% | 33.95% | 35.22% | 14.36% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 35.79% | 35.79% | 37.06% | 14.27% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 34.02% | 34.02% | 35.29% | 13.51% | 14.63% | 14.65% | 15.76% | 10.48% |
| 1Q23 | Risk-based | 33.18% | 33.18% | 34.45% | 12.58% | 14.66% | 14.70% | 15.78% | 10.37% |
| 4Q22 | Risk-based | 31.80% | 31.80% | 33.07% | 11.52% | 14.44% | 14.49% | 15.55% | 10.28% |
| 3Q22 | Risk-based | 30.66% | 30.66% | 31.93% | 10.51% | 14.66% | 14.67% | 15.73% | 10.18% |
| 2Q22 | Risk-based | 30.48% | 30.48% | 31.75% | 10.49% | 14.81% | 14.83% | 15.88% | 10.00% |
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, 1Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Security State Bank (this bank) | Risk-based | 40.73% | 40.73% | 42.00% | 16.77% | |
| Belmont Savings Bank | $612.9M | CBLR | NA | NA | NA | 16.00% |
| Madison County Bank | $613.2M | Risk-based | 17.74% | 17.74% | 18.99% | 14.44% |
| Community Savings Bank | $613.6M | Risk-based | 12.16% | 12.16% | 13.13% | 9.55% |
| Avb Bank | $612.3M | Risk-based | 11.83% | 11.83% | 13.08% | 9.59% |
| Andrew Johnson Bank | $611.9M | Risk-based | 14.83% | 14.83% | 16.08% | 10.30% |
| Crown Bank | $614.3M | CBLR | NA | NA | NA | 23.76% |
| Heritage Bank | $611.6M | CBLR | NA | NA | NA | 20.68% |
| All America Bank | $611.5M | Risk-based | 12.72% | 12.72% | 13.97% | 10.26% |
| Commercial Capital Bank | $611.4M | CBLR | NA | NA | NA | 10.44% |
| Mercer County State Bank | $611.3M | CBLR | NA | NA | NA | 10.05% |
| Peer 25th percentile | 12.16% | 12.16% | 13.13% | 10.10% | ||
| Peer median | 12.72% | 12.72% | 13.97% | 10.37% | ||
| Peer 75th percentile | 14.83% | 14.83% | 16.08% | 15.61% | ||
| This bank's percentile | 100 | 100 | 100 | 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/111979/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.