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 Equity capital to average assets: 1.71 percentage points higher than in Q1 2026, at 20.81%. Among 85 Wisconsin banks, Security State Bank sits 3rd from the top on CET1 ratio, 29.15% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Security State Bank reported 29.15% on CET1 ratio in Q2 2026, 14.07 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.15% |
| Tier 1 risk-based capital ratio | 29.15% |
| Total risk-based capital ratio | 30.41% |
| Tier 1 leverage ratio | 21.38% |
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 | $29.2M |
| Tier 1 capital | $29.2M |
| Total risk-based capital | $30.5M |
| Total equity capital | $28.4M |
| Risk-weighted assets | $100.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.89% |
| Tangible equity to tangible assets | 20.89% |
| Equity capital to average assets | 20.81% |
| Internal capital growth rate | 8.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $2.0M |
| Retained earnings | $27.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$783K |
| 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 | — | — | — | 21.27% | — |
| Q4 2023 | — | — | — | 20.67% | — |
| Q1 2024 | — | — | — | 20.99% | — |
| Q2 2024 | — | — | — | 21.86% | — |
| Q3 2024 | 29.47% | 29.47% | 30.73% | 20.82% | $89.0M |
| Q4 2024 | 30.00% | 30.00% | 31.25% | 20.98% | $89.5M |
| Q1 2025 | 30.35% | 30.35% | 31.60% | 19.78% | $87.5M |
| Q2 2025 | 28.70% | 28.70% | 29.96% | 20.33% | $94.9M |
| Q3 2025 | 30.54% | 30.54% | 31.79% | 20.08% | $91.0M |
| Q4 2025 | 30.06% | 30.06% | 31.32% | 20.06% | $94.3M |
| Q1 2026 | 31.88% | 31.88% | 33.13% | 19.69% | $89.7M |
| Q2 2026 | 29.15% | 29.15% | 30.41% | 21.38% | $100.2M |
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 9036) · FFIEC NIC profile (RSSD 43052)