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%.
Equity capital to average assets dropped 1.00 percentage points in Q2 2026, from 10.41% to 9.41%. 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 | 10.74% |
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 | $123.2M |
| Tier 1 capital | $123.2M |
| Total risk-based capital | — |
| Total equity capital | $108.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.50% |
| Tangible equity to tangible assets | 9.31% |
| Equity capital to average assets | 9.41% |
| Internal capital growth rate | 14.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $37.5M |
| Retained earnings | $86.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.47% | 9.60% | 9.33% |
| Q4 2023 | 12.00% | 9.56% | 9.31% |
| Q1 2024 | 11.61% | 9.48% | 9.24% |
| Q2 2024 | 11.75% | 9.70% | 9.46% |
| Q3 2024 | 12.21% | 10.63% | 10.38% |
| Q4 2024 | 11.66% | 9.40% | 9.16% |
| Q1 2025 | 11.91% | 10.11% | 9.87% |
| Q2 2025 | 12.50% | 10.52% | 10.28% |
| Q3 2025 | 12.77% | 11.45% | 11.22% |
| Q4 2025 | 12.43% | 10.78% | 10.55% |
| Q1 2026 | 11.76% | 9.36% | 9.17% |
| Q2 2026 | 10.74% | 9.50% | 9.31% |
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 1497) · FFIEC NIC profile (RSSD 839068)