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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.1% to $3.6M. Security State Bank ranks 47th of 114 Iowa banks on CET1 ratio, in the upper half at 14.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Security State Bank sits 0.58 points lower, at 14.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.51% |
| Tier 1 risk-based capital ratio | 14.51% |
| Total risk-based capital ratio | 15.36% |
| Tier 1 leverage ratio | 8.27% |
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 | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | $10.5M |
| Total equity capital | $9.8M |
| Risk-weighted assets | $68.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.22% |
| Tangible equity to tangible assets | 7.92% |
| Equity capital to average assets | 8.16% |
| Internal capital growth rate | 4.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.6M |
| Retained earnings | $3.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$475K |
| 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 | 15.84% | 15.84% | 16.87% | 9.12% | $60.9M |
| Q4 2023 | 15.11% | 15.11% | 16.10% | 8.87% | $63.3M |
| Q1 2024 | 15.35% | 15.35% | 16.36% | 8.65% | $62.1M |
| Q2 2024 | 15.64% | 15.64% | 16.66% | 8.61% | $61.1M |
| Q3 2024 | 15.79% | 15.79% | 16.82% | 8.58% | $60.8M |
| Q4 2024 | 14.79% | 14.79% | 15.75% | 8.35% | $65.0M |
| Q1 2025 | 14.33% | 14.33% | 15.27% | 7.75% | $66.7M |
| Q2 2025 | 14.81% | 14.81% | 15.76% | 7.94% | $66.4M |
| Q3 2025 | 13.93% | 13.93% | 14.82% | 7.99% | $70.1M |
| Q4 2025 | 13.82% | 13.82% | 14.65% | 8.16% | $70.6M |
| Q1 2026 | 14.15% | 14.15% | 14.99% | 8.21% | $69.2M |
| Q2 2026 | 14.51% | 14.51% | 15.36% | 8.27% | $68.2M |
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 18448) · FFIEC NIC profile (RSSD 527749)