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
Unfavorable gap of $2.7M · efficiency ratio beats 96% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.25% | 0.87% | 1.20% | 1.65% | Beats 96% | 9 / 211 | |
| Return on Equity | 15.69% | 7.52% | 11.67% | 14.58% | Beats 83% | 36 / 211 | |
| Net Interest Margin | 4.03% | 3.28% | 3.82% | 4.31% | Beats 60% | 85 / 211 | |
| Efficiency Ratio | 35.12% | 53.01% | 64.18% | 73.65% | Beats 96% | 9 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.30% | 1.10% | Beats 71% | 61 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 14.61% | 11.72% | 14.45% | 19.57% | Beats 52% | 101 / 211 | |
| Total Risk-Based Capital Ratio | 14.61% | 11.94% | 14.78% | 20.30% | Beats 48% | 109 / 211 | |
| Equity / Assets | 14.36% | 9.41% | 11.06% | 12.94% | Beats 85% | 32 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 93.03% | 45.39% | 66.56% | 82.03% | 93rd pctl | 14 / 208 | |
| Loans / Assets | 79.34% | 39.13% | 56.90% | 70.46% | 93rd pctl | 15 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |