Security State Bank & Trust: 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%.
Equity capital to total assets dropped 1.04 percentage points in Q2 2026, from 11.82% to 10.79%. 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 | 12.58% |
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 | $249.3M |
| Tier 1 capital | $249.3M |
| Total risk-based capital | — |
| Total equity capital | $234.8M |
| Risk-weighted assets | — |
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 | 11.85% |
| Internal capital growth rate | 1.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $496K |
| Common stock surplus | $35.6M |
| Retained earnings | $213.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.5M |
| 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 | 10.44% | 8.93% | 8.93% |
| Q4 2023 | 10.93% | 9.75% | 9.75% |
| Q1 2024 | 10.78% | 9.85% | 9.85% |
| Q2 2024 | 10.86% | 9.45% | 9.45% |
| Q3 2024 | 11.15% | 10.19% | 10.19% |
| Q4 2024 | 11.71% | 9.72% | 9.72% |
| Q1 2025 | 11.54% | 10.42% | 10.42% |
| Q2 2025 | 11.78% | 10.21% | 10.21% |
| Q3 2025 | 11.90% | 10.97% | 10.97% |
| Q4 2025 | 12.14% | 10.69% | 10.69% |
| Q1 2026 | 12.34% | 11.82% | 11.82% |
| Q2 2026 | 12.58% | 10.79% | 10.79% |
Security State Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15809) · FFIEC NIC profile (RSSD 247355)