Sidney Federal Savings and Loan Association: 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%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 4.30 percentage points lower than in Q1 2026, at 35.54%. Among 57 Nebraska banks, Sidney Federal Savings and Loan Association sits 3rd from the top on CET1 ratio, 34.90% as of Q2 2026. Sidney Federal Savings and Loan Association's CET1 ratio of 34.90% is well above the 19.54% median for banks in the < $100M asset tier, a gap of 15.36 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.90% |
| Tier 1 risk-based capital ratio | 34.90% |
| Total risk-based capital ratio | 35.54% |
| Tier 1 leverage ratio | 14.21% |
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 | $7.6M |
| Tier 1 capital | $7.6M |
| Total risk-based capital | $7.8M |
| Total equity capital | $7.8M |
| Risk-weighted assets | $21.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.09% |
| Tangible equity to tangible assets | 13.55% |
| Equity capital to average assets | 14.51% |
| Internal capital growth rate | 12.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $0 |
| Retained earnings | $958K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$132K |
| 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 | 10.41% | 10.41% | 11.66% | 5.86% | $8.6M |
| Q4 2023 | 9.48% | 9.48% | 10.73% | 5.38% | $8.4M |
| Q1 2024 | 8.89% | 8.89% | 10.13% | 4.96% | $8.1M |
| Q2 2024 | 7.97% | 7.97% | 9.17% | 4.63% | $7.9M |
| Q3 2024 | 6.51% | 6.51% | 7.69% | 3.67% | $8.1M |
| Q4 2024 | 5.25% | 5.25% | 6.46% | 2.78% | $7.9M |
| Q1 2025 | 3.93% | 3.93% | 5.16% | 2.12% | $7.8M |
| Q2 2025 | 51.17% | 51.17% | 52.08% | 22.86% | $13.0M |
| Q3 2025 | 46.42% | 46.42% | 47.23% | 15.16% | $14.8M |
| Q4 2025 | 45.98% | 45.98% | 46.75% | 15.29% | $15.5M |
| Q1 2026 | 39.15% | 39.15% | 39.84% | 14.40% | $18.9M |
| Q2 2026 | 34.90% | 34.90% | 35.54% | 14.21% | $21.8M |
Sidney Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney Federal Savings and Loan Association, 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 Sidney Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29379) · FFIEC NIC profile (RSSD 304575)