Security State Bank
Pearsall, TX · Cert 1497 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Briscoe Ranch Inc.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (16 in holding)
Q2 2026
$1.1BAssets
$567.3MLoans
$1.0BDeposits
$108.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 4 of 258).
- Widest gap: net interest margin trails 90% of banks $1B-$10B in assets operating in a single state (rank 232 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.29%
Rank 113 of 258
Net Interest Margin
2.73%
Rank 232 of 258
Efficiency Ratio
46.08%
Rank 31 of 257
Equity / Assets
9.50%
Rank 172 of 258
Non-interest income vs. expense
Unfavorable gap of $13.1M · efficiency ratio beats 88% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.93% | 1.23% | 1.54% | Beats 56% | 113 / 258 | |
| Return on Equity | 13.58% | 9.26% | 11.84% | 14.74% | Beats 65% | 90 / 258 | |
| Net Interest Margin | 2.73% | 3.16% | 3.49% | 3.88% | Beats 10% | 232 / 258 | |
| Efficiency Ratio | 46.08% | 51.71% | 60.30% | 69.65% | Beats 88% | 31 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.46% | 0.90% | Beats 99% | 4 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 51% | 129 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.74% | 11.41% | 12.98% | 15.12% | Beats 16% | 216 / 258 | |
| Total Risk-Based Capital Ratio | 10.74% | 12.10% | 13.91% | 16.08% | Beats 14% | 222 / 258 | |
| Equity / Assets | 9.50% | 9.09% | 10.24% | 11.72% | Beats 33% | 172 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 55.19% | 73.24% | 86.34% | 95.95% | 5th pctl | 244 / 258 | |
| Loans / Assets | 49.82% | 63.01% | 72.27% | 78.40% | 6th pctl | 242 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |