Security State Bank of Warroad: 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%.
Common stock surplus climbed 25.1% in Q2 2026, from $9.9M to $12.4M. 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 | 16.41% |
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 | $23.0M |
| Tier 1 capital | $23.0M |
| Total risk-based capital | — |
| Total equity capital | $17.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.60% |
| Tangible equity to tangible assets | 12.60% |
| Equity capital to average assets | 12.45% |
| Internal capital growth rate | 5.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $12.4M |
| Retained earnings | $10.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 13.54% | 7.56% | 7.56% |
| Q4 2023 | 14.16% | 9.56% | 9.56% |
| Q1 2024 | 14.44% | 9.81% | 9.81% |
| Q2 2024 | 14.77% | 9.56% | 9.56% |
| Q3 2024 | 14.71% | 10.49% | 10.49% |
| Q4 2024 | 14.83% | 10.05% | 10.05% |
| Q1 2025 | 15.26% | 10.02% | 10.02% |
| Q2 2025 | 15.52% | 10.86% | 10.86% |
| Q3 2025 | 15.66% | 11.20% | 11.20% |
| Q4 2025 | 15.64% | 12.01% | 12.01% |
| Q1 2026 | 16.06% | 11.70% | 11.70% |
| Q2 2026 | 16.41% | 12.60% | 12.60% |
Security State Bank of Warroad regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Warroad, 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 Warroad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9773) · FFIEC NIC profile (RSSD 868059)