The Security State Bank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total risk-based capital ratio: 2.73 percentage points higher than in Q1 2026, at 26.79%. Within Georgia, The Security State Bank is 10th of 79 on CET1 ratio, 25.53% as of Q2 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. The Security State Bank sits 5.57 points higher, at 25.53% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.53% |
| Tier 1 risk-based capital ratio | 25.53% |
| Total risk-based capital ratio | 26.79% |
| Tier 1 leverage ratio | 14.11% |
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 | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | $10.4M |
| Total equity capital | $9.2M |
| Risk-weighted assets | $38.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.03% |
| Tangible equity to tangible assets | 13.03% |
| Equity capital to average assets | 13.04% |
| Internal capital growth rate | 14.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $390K |
| Common stock surplus | $3.6M |
| Retained earnings | $5.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$752K |
| 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 | 20.91% | 20.91% | 22.16% | 15.12% | $41.3M |
| Q4 2023 | 21.07% | 21.07% | 22.32% | 15.68% | $42.2M |
| Q1 2024 | 20.41% | 20.41% | 21.66% | 15.13% | $41.4M |
| Q2 2024 | 21.36% | 21.36% | 22.62% | 14.87% | $41.0M |
| Q3 2024 | 20.88% | 20.88% | 22.14% | 15.40% | $43.6M |
| Q4 2024 | 22.03% | 22.03% | 23.29% | 14.80% | $42.6M |
| Q1 2025 | 21.73% | 21.73% | 22.98% | 13.90% | $41.2M |
| Q2 2025 | 22.94% | 22.94% | 24.19% | 14.68% | $40.6M |
| Q3 2025 | 23.22% | 23.22% | 24.48% | 14.82% | $41.7M |
| Q4 2025 | 23.16% | 23.16% | 24.42% | 14.99% | $43.2M |
| Q1 2026 | 22.80% | 22.80% | 24.06% | 13.96% | $42.1M |
| Q2 2026 | 25.53% | 25.53% | 26.79% | 14.11% | $38.9M |
The Security State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Security State Bank, 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 The Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19680) · FFIEC NIC profile (RSSD 598132)