Security State 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to average assets fell 0.66 percentage points in Q2 2026 to 6.81%, the biggest move on this page. Security State Bank ranks 24th of 36 South Dakota banks on CET1 ratio, in the lower half at 13.55% (Q2 2026). Security State Bank reported 13.55% on CET1 ratio for Q2 2026, 1.53 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.55% |
| Tier 1 leverage ratio | 8.24% |
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 | $8.5M |
| Tier 1 capital | $8.5M |
| Total risk-based capital | $9.2M |
| Total equity capital | $7.1M |
| Risk-weighted assets | $63.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.86% |
| Tangible equity to tangible assets | 6.86% |
| Equity capital to average assets | 6.81% |
| Internal capital growth rate | 0.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $5.5M |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | — | — | — | 9.91% | — |
| Q4 2023 | — | — | — | 9.52% | — |
| Q1 2024 | — | — | — | 10.10% | — |
| Q2 2024 | — | — | — | 10.47% | — |
| Q3 2024 | — | — | — | 10.39% | — |
| Q4 2024 | — | — | — | 9.18% | — |
| Q1 2025 | — | — | — | 9.51% | — |
| Q2 2025 | — | — | — | 7.80% | — |
| Q3 2025 | 13.09% | 13.09% | 14.16% | 8.18% | $66.0M |
| Q4 2025 | 12.33% | 12.33% | 13.38% | 7.68% | $67.3M |
| Q1 2026 | 13.45% | 13.45% | 14.46% | 8.53% | $63.5M |
| Q2 2026 | 13.55% | 13.55% | 14.55% | 8.24% | $63.0M |
Security State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16448) · FFIEC NIC profile (RSSD 270652)