Security State Bank of Kenyon: 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%.
The standout move of Q2 2026 was in Retained earnings: 7.9% higher than in Q1 2026, at $2.9M. Within Minnesota, Security State Bank of Kenyon is 58th of 161 on CET1 ratio, 15.77% as of Q2 2026, above the middle of the field. Security State Bank of Kenyon reported 15.77% on CET1 ratio for Q2 2026, 3.80 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.77% |
| Tier 1 risk-based capital ratio | 15.77% |
| Total risk-based capital ratio | 16.78% |
| Tier 1 leverage ratio | 12.56% |
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 | $9.1M |
| Tier 1 capital | $9.1M |
| Total risk-based capital | $9.7M |
| Total equity capital | $8.8M |
| Risk-weighted assets | $57.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.13% |
| Tangible equity to tangible assets | 12.13% |
| Equity capital to average assets | 12.05% |
| Internal capital growth rate | 9.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.2M |
| Retained earnings | $2.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$369K |
| 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 | 18.46% | 18.46% | 19.71% | 13.69% | $51.4M |
| Q4 2023 | 17.72% | 17.72% | 18.75% | 13.76% | $54.3M |
| Q1 2024 | 15.72% | 15.72% | 16.68% | 12.10% | $54.8M |
| Q2 2024 | 15.98% | 15.98% | 16.96% | 12.35% | $54.6M |
| Q3 2024 | 16.31% | 16.31% | 17.30% | 12.72% | $54.0M |
| Q4 2024 | 15.50% | 15.50% | 16.43% | 12.29% | $55.7M |
| Q1 2025 | 16.11% | 16.11% | 17.02% | 12.76% | $54.6M |
| Q2 2025 | 16.42% | 16.42% | 17.40% | 13.21% | $54.2M |
| Q3 2025 | 16.80% | 16.80% | 17.83% | 13.23% | $53.9M |
| Q4 2025 | 16.63% | 16.63% | 17.65% | 13.18% | $55.2M |
| Q1 2026 | 15.93% | 15.93% | 16.93% | 12.66% | $56.0M |
| Q2 2026 | 15.77% | 15.77% | 16.78% | 12.56% | $57.9M |
Security State Bank of Kenyon regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Kenyon, 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 of Kenyon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15597) · FFIEC NIC profile (RSSD 984454)