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.
Equity capital to total assets climbed 1.77 percentage points in Q2 2026, from 25.53% to 27.30%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 27.26% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $30.2M |
| Tier 1 capital | $30.2M |
| Total risk-based capital | — |
| Total equity capital | $30.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.30% |
| Tangible equity to tangible assets | 27.30% |
| Equity capital to average assets | 27.05% |
| Internal capital growth rate | 9.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $900K |
| Retained earnings | $29.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$225K |
| 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 | 28.73% | 28.73% | 29.99% | 21.02% | $82.8M |
| Q4 2023 | 29.34% | 29.34% | 30.61% | 21.39% | $83.1M |
| Q1 2024 | 30.03% | 30.03% | 31.29% | 22.65% | $83.0M |
| Q2 2024 | 28.85% | 28.85% | 30.11% | 22.45% | $88.2M |
| Q3 2024 | 28.22% | 28.22% | 29.48% | 22.95% | $92.1M |
| Q4 2024 | 31.69% | 31.69% | 32.95% | 21.88% | $83.8M |
| Q1 2025 | 30.54% | 30.54% | 31.80% | 22.85% | $88.7M |
| Q2 2025 | 31.16% | 31.16% | 32.43% | 23.74% | $88.8M |
| Q3 2025 | 32.27% | 32.27% | 33.53% | 24.77% | $87.7M |
| Q4 2025 | 32.18% | 32.18% | 33.44% | 25.01% | $89.6M |
| Q1 2026 | — | — | — | 26.01% | — |
| Q2 2026 | — | — | — | 27.26% | — |
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 15839) · FFIEC NIC profile (RSSD 750846)