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.
The standout move of Q2 2026 was in Retained earnings: 13.3% higher than in Q1 2026, at $20.3M. Within Kansas, Security State Bank is 70th of 86 on CET1 ratio, 11.96% as of Q2 2026. Security State Bank reported 11.96% on CET1 ratio for Q2 2026, 1.53 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 12.84% |
| Tier 1 leverage ratio | 10.23% |
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 | $104.3M |
| Tier 1 capital | $104.3M |
| Total risk-based capital | $111.9M |
| Total equity capital | $111.5M |
| Risk-weighted assets | $871.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.78% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 10.83% |
| Internal capital growth rate | 8.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $93.4M |
| Retained earnings | $20.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 14.36% | 14.36% | 15.30% | 13.71% | $405.4M |
| Q4 2023 | 13.63% | 13.63% | 14.63% | 12.56% | $424.1M |
| Q1 2024 | 13.20% | 13.20% | 14.15% | 12.36% | $449.5M |
| Q2 2024 | 11.26% | 11.26% | 12.00% | 9.94% | $748.7M |
| Q3 2024 | 11.51% | 11.51% | 12.31% | 10.07% | $754.7M |
| Q4 2024 | 11.02% | 11.02% | 11.89% | 9.61% | $788.2M |
| Q1 2025 | 11.89% | 11.89% | 12.78% | 9.93% | $769.8M |
| Q2 2025 | 11.30% | 11.30% | 12.21% | 9.79% | $824.7M |
| Q3 2025 | 11.56% | 11.56% | 12.47% | 10.15% | $837.5M |
| Q4 2025 | 11.51% | 11.51% | 12.44% | 10.03% | $848.9M |
| Q1 2026 | 11.94% | 11.94% | 12.84% | 10.21% | $850.4M |
| Q2 2026 | 11.96% | 11.96% | 12.84% | 10.23% | $871.8M |
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 18374) · FFIEC NIC profile (RSSD 319551)