Security State Bank of Oklee: 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 3.6% to $5.2M. On CET1 ratio, Security State Bank of Oklee ranks 5th highest among the 161 banks headquartered in Minnesota, at 41.66% (Q2 2026). Against a median of 19.57% for banks in the < $100M asset tier, Security State Bank of Oklee reported 41.66% on CET1 ratio in Q2 2026, 22.09 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 41.66% |
| Tier 1 risk-based capital ratio | 41.66% |
| Total risk-based capital ratio | 42.92% |
| Tier 1 leverage ratio | 15.84% |
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 | $7.6M |
| Tier 1 capital | $7.6M |
| Total risk-based capital | $7.8M |
| Total equity capital | $7.6M |
| Risk-weighted assets | $18.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.60% |
| Tangible equity to tangible assets | 15.50% |
| Equity capital to average assets | 15.83% |
| Internal capital growth rate | 9.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $61K |
| Common stock surplus | $2.4M |
| Retained earnings | $5.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$53K |
| 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 | 37.28% | 37.28% | 38.53% | 15.59% | $17.1M |
| Q4 2023 | 41.80% | 41.80% | 43.06% | 15.79% | $15.9M |
| Q1 2024 | 42.48% | 42.48% | 43.73% | 15.69% | $15.9M |
| Q2 2024 | 42.35% | 42.35% | 43.61% | 15.94% | $16.4M |
| Q3 2024 | 43.20% | 43.20% | 44.46% | 16.51% | $16.7M |
| Q4 2024 | 44.47% | 44.47% | 45.73% | 15.64% | $15.6M |
| Q1 2025 | 43.15% | 43.15% | 44.41% | 15.51% | $16.6M |
| Q2 2025 | 42.26% | 42.26% | 43.51% | 15.65% | $17.2M |
| Q3 2025 | 39.92% | 39.92% | 41.18% | 16.09% | $18.7M |
| Q4 2025 | 38.67% | 38.67% | 39.92% | 15.01% | $18.6M |
| Q1 2026 | 41.82% | 41.82% | 43.08% | 15.71% | $17.8M |
| Q2 2026 | 41.66% | 41.66% | 42.92% | 15.84% | $18.3M |
Security State Bank of Oklee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Oklee, 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 Oklee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10982) · FFIEC NIC profile (RSSD 814355)