First Security State Bank
Cranfills Gap, TX · Cert 11932 · Peer group: banks under $1B in assets in TX (n=208-211) · Bosque Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$183.1MAssets
$73.3MLoans
$172.9MDeposits
$9.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets in TX (rank 7 of 211).
- Widest gap: equity / assets trails 99% of banks under $1B in assets in TX (rank 209 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.13%
Rank 116 of 211
Net Interest Margin
3.26%
Rank 162 of 211
Efficiency Ratio
64.75%
Rank 113 of 211
Equity / Assets
5.03%
Rank 209 of 211
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 47% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.87% | 1.20% | 1.65% | Beats 45% | 116 / 211 | | |
| Return on Equity | 22.42% | 7.52% | 11.67% | 14.58% | Beats 97% | 7 / 211 | | |
| Net Interest Margin | 3.26% | 3.28% | 3.82% | 4.31% | Beats 23% | 162 / 211 | | |
| Efficiency Ratio | 64.75% | 53.01% | 64.18% | 73.65% | Beats 47% | 113 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.30% | 1.10% | Beats 74% | 55 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 49% | 108 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 19.90% | 11.72% | 14.45% | 19.57% | Beats 76% | 51 / 211 | | |
| Total Risk-Based Capital Ratio | 20.97% | 11.94% | 14.78% | 20.30% | Beats 76% | 51 / 211 | | |
| Equity / Assets | 5.03% | 9.41% | 11.06% | 12.94% | Beats 1% | 209 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.39% | 45.39% | 66.56% | 82.03% | 20th pctl | 166 / 208 | | |
| Loans / Assets | 40.03% | 39.13% | 56.90% | 70.46% | 26th pctl | 157 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |