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Security State Bank

Farwell, TX · Cert 11907

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security State Bank

Farwell, TX · Cert 11907

State charter, non-member · FDIC · 1 branch

Q2 2026

$338.0MAssets
$268.2MLoans
$288.3MDeposits
$48.5MEquity
Loan mix
62%RE $145.1M37%C&I $87.3M1%Consumer $2.4MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $246.7M14%Noninterest $41.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.24%, down 4 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.03% of loans (-7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.61%, up 91 bps from a year ago.
  • Funding: loans stand at 93.03% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.24%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+19 bps YoY

Efficiency Ratio (YTD, annualized)

35.12%+205 bps YoY

Tier 1 Leverage Ratio

14.61%+91 bps YoY

NIM

6.91%Q2 ’246.34%Q2 ’256.24%Q2 ’26-5%+5%

Non-interest income vs. expense

1.49%Q2 ’241.55%Q2 ’251.74%Q2 ’26-10%+14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%1.64%2.82%2.28%2.18%1.69%2.84%2.24%-4 bps
Return on Equity16.43%13.12%22.10%17.60%16.55%12.92%21.38%16.43%-117 bps
Net Interest Margin4.02%3.82%3.89%3.84%3.83%3.87%4.00%4.03%+19 bps
Efficiency Ratio31.57%42.05%28.54%33.07%33.90%47.01%30.17%35.12%+205 bps
Non-Interest Burden0.86%1.33%0.00%0.71%0.91%1.57%0.00%0.81%+10 bps
Growth
Asset Growth (YoY)5.34%3.80%13.14%18.25%12.76%10.66%6.79%4.87%-1,338 bps
Loan Growth (YoY)7.55%24.06%32.07%33.22%24.18%19.70%16.91%15.84%-1,738 bps
Deposit Growth (YoY)3.20%1.88%12.34%18.01%12.69%10.28%5.80%3.64%-1,437 bps
Asset Quality
Nonperforming Loans / Loans2.65%2.28%2.20%0.10%0.03%0.03%0.03%0.03%-7 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.91%0.62%0.42%0.00%0.00%-91 bps
Allowance / Loans1.25%1.23%1.23%0.86%0.87%0.87%0.94%1.04%+18 bps
Allowance Coverage of NPLs0.5x0.5x0.6x8.9x25.5x29.8x33.0x33.6x+24.7x
Capital
Tier 1 Leverage Ratio14.43%13.08%13.72%13.71%14.01%13.19%14.04%14.61%+91 bps
Total Risk-Based Capital14.43%13.08%13.72%13.71%14.01%13.19%14.04%14.61%+91 bps
Equity / Assets13.58%12.39%13.14%13.37%13.64%12.70%13.92%14.36%+98 bps
Liquidity & Funding
Loans / Deposits75.25%81.30%84.50%83.24%82.92%88.25%93.37%93.03%+980 bps
Liquid Assets / Assets19.77%16.68%13.13%10.88%7.33%12.83%7.44%7.33%-356 bps
CRE / Total Capitaln/an/an/an/a50.92%50.73%49.69%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Security State Bank

Farwell, TX · Cert 11907 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 1 branch

Q2 2026

$338.0MAssets
$268.2MLoans
$288.3MDeposits
$48.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: total risk-based capital ratio trails 52% of banks under $1B in assets in TX (rank 109 of 211).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.25%

Rank 9 of 211

Net Interest Margin

4.03%

Rank 85 of 211

Efficiency Ratio

35.12%

Rank 9 of 211

Equity / Assets

14.36%

Rank 32 of 211

Non-interest income vs. expense

$3.1M$5.8MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 96% of banks under $1B in assets in TX
Bank 35.12%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.25%0.87%1.20%1.65%Beats 96%9 / 211
Return on Equity15.69%7.52%11.67%14.58%Beats 83%36 / 211
Net Interest Margin4.03%3.28%3.82%4.31%Beats 60%85 / 211
Efficiency Ratio35.12%53.01%64.18%73.65%Beats 96%9 / 211
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.30%1.10%Beats 71%61 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio14.61%11.72%14.45%19.57%Beats 52%101 / 211
Total Risk-Based Capital Ratio14.61%11.94%14.78%20.30%Beats 48%109 / 211
Equity / Assets14.36%9.41%11.06%12.94%Beats 85%32 / 211
Liquidity & Funding
Loans / Deposits93.03%45.39%66.56%82.03%93rd pctl14 / 208
Loans / Assets79.34%39.13%56.90%70.46%93rd pctl15 / 211
Brokered Deposits / Depositsn/aNot reported for this institution