Security Trust & Savings 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.72 percentage points in Q2 2026 to 9.91%, the biggest move on this page. On CET1 ratio, Security Trust & Savings Bank ranks 5th highest among the 114 banks headquartered in Iowa, at 31.77% (Q2 2026). Security Trust & Savings Bank's CET1 ratio of 31.77% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 16.70 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.77% |
| Tier 1 risk-based capital ratio | 31.77% |
| Total risk-based capital ratio | 33.02% |
| Tier 1 leverage ratio | 10.41% |
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 | $28.5M |
| Tier 1 capital | $28.5M |
| Total risk-based capital | $29.7M |
| Total equity capital | $26.4M |
| Risk-weighted assets | $89.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.91% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 9.58% |
| Internal capital growth rate | 6.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $3.9M |
| Retained earnings | $26.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 27.44% | 27.44% | 28.70% | 9.71% | $94.4M |
| Q4 2023 | 26.23% | 26.23% | 27.48% | 9.66% | $98.2M |
| Q1 2024 | 28.17% | 28.17% | 29.42% | 9.77% | $92.3M |
| Q2 2024 | 29.57% | 29.57% | 30.82% | 9.67% | $87.5M |
| Q3 2024 | 30.13% | 30.13% | 31.38% | 9.77% | $86.6M |
| Q4 2024 | 28.63% | 28.63% | 29.88% | 9.39% | $91.2M |
| Q1 2025 | 29.59% | 29.59% | 30.84% | 9.79% | $90.3M |
| Q2 2025 | 30.36% | 30.36% | 31.62% | 9.71% | $88.0M |
| Q3 2025 | 31.87% | 31.87% | 33.13% | 10.14% | $86.2M |
| Q4 2025 | 29.77% | 29.77% | 31.02% | 9.84% | $92.2M |
| Q1 2026 | 31.34% | 31.34% | 32.59% | 10.27% | $89.7M |
| Q2 2026 | 31.77% | 31.77% | 33.02% | 10.41% | $89.8M |
Security Trust & Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Trust & Savings 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 Security Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 968) · FFIEC NIC profile (RSSD 363648)