Security State Bank of Warroad: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 16.41% +7.41 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $23.0M | 22,978 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $140.0M | 140,044 | RCOAA224 |
| Recomputed ratio | 16.41% | numerator / denominator | |
| Filed ratio | 16.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.41 pp | $10.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 12,500 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | RCOAP742 |
| Retained earnings | 10,478 | 12,739 | 12,492 | 12,369 | 12,112 | 11,902 | RCOAKW00 |
| Accumulated other comprehensive income | (5,539) | (6,015) | (5,472) | (6,049) | (6,737) | (7,217) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 17,439 | 16,724 | 17,020 | 16,320 | 15,375 | 14,685 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,539 | 6,015 | 5,472 | 6,049 | 6,737 | 7,217 | P859 - P840 |
| Common equity Tier 1 capital | 22,978 | 22,739 | 22,492 | 22,369 | 22,112 | 21,902 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 22,978 | 22,739 | 22,492 | 22,369 | 22,112 | 21,902 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 140,044 | 141,582 | 143,782 | 142,851 | 142,467 | 143,495 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 16.41% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 16.06% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 15.64% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 15.66% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.52% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 15.26% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.83% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.71% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.77% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.44% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.16% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.54% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Security State Bank of Warroad (this bank) | CBLR | NA | NA | NA | 16.41% | |
| Community Bank | $138.3M | Risk-based | 15.86% | 15.86% | 16.67% | 10.99% |
| First National Bank in Pinckneyville | $138.4M | Risk-based | 22.01% | 22.01% | 22.92% | 11.78% |
| Pickens Savings and Loan Association, Federal Association | $138.3M | Risk-based | 21.38% | 21.38% | 22.63% | 10.86% |
| Bank of Gleason | $138.5M | Risk-based | 33.72% | 33.72% | 34.66% | 20.86% |
| First Commerce Bank | $138.5M | CBLR | NA | NA | NA | 11.79% |
| The First National Bank of Cokato | $138.2M | Risk-based | 13.34% | 13.34% | 14.59% | 8.54% |
| Bank of Oak Ridge | $138.6M | Risk-based | 13.89% | 13.89% | 14.88% | 11.59% |
| Corydon State Bank | $138.0M | CBLR | NA | NA | NA | 25.75% |
| Elk State Bank | $138.7M | Risk-based | 14.01% | 14.01% | 15.26% | 8.25% |
| Sidney State Bank | $138.7M | CBLR | NA | NA | NA | 9.65% |
| Peer 25th percentile | 13.95% | 13.95% | 15.07% | 9.95% | ||
| Peer median | 15.86% | 15.86% | 16.67% | 11.29% | ||
| Peer 75th percentile | 21.69% | 21.69% | 22.77% | 11.79% | ||
| This bank's percentile | NA | NA | NA | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/868059/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.