Security State Bank of Marine: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.7% to $10.3M. Within Minnesota, Security State Bank of Marine is 69th of 161 on CET1 ratio, 15.08% as of Q2 2026, above the middle of the field. At 15.08%, Security State Bank of Marine's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.08% |
| Tier 1 risk-based capital ratio | 15.08% |
| Total risk-based capital ratio | 16.34% |
| Tier 1 leverage ratio | 10.87% |
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 | $25.3M |
| Tier 1 capital | $25.3M |
| Total risk-based capital | $27.4M |
| Total equity capital | $25.1M |
| Risk-weighted assets | $167.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 10.79% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 9.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $14.8M |
| Retained earnings | $10.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$196K |
| 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 | 14.09% | 14.09% | 15.26% | 10.72% | $152.1M |
| Q4 2023 | 14.46% | 14.46% | 15.68% | 11.06% | $153.7M |
| Q1 2024 | 14.31% | 14.31% | 15.56% | 10.73% | $151.5M |
| Q2 2024 | 14.54% | 14.54% | 15.79% | 10.94% | $154.7M |
| Q3 2024 | 14.65% | 14.65% | 15.90% | 10.75% | $156.1M |
| Q4 2024 | 15.24% | 15.24% | 16.50% | 10.96% | $155.4M |
| Q1 2025 | 15.02% | 15.02% | 16.27% | 10.53% | $154.5M |
| Q2 2025 | 15.26% | 15.26% | 16.51% | 10.45% | $154.4M |
| Q3 2025 | 15.75% | 15.75% | 17.01% | 10.46% | $154.1M |
| Q4 2025 | 15.70% | 15.70% | 16.95% | 10.98% | $162.3M |
| Q1 2026 | 14.82% | 14.82% | 16.07% | 10.50% | $166.9M |
| Q2 2026 | 15.08% | 15.08% | 16.34% | 10.87% | $167.7M |
Security State Bank of Marine regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Marine, 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 Marine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10163) · FFIEC NIC profile (RSSD 990053)