Fredericksburg, TX · Cert 15809 · Security Holding Co.
State charter, non-member · FDIC · 21 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
24
Profitability
81
Liquidity
100
Efficiency
63
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.
Fredericksburg, TX · Cert 15809 · Security Holding Co.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.2% share · #22 of 66 inst. · $0.3B of $175.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.56% | 1.56% | 1.73% | 1.77% | 1.72% | 1.52% | 1.62% | -11 bps | |
| Return on Equity | 16.01% | 15.94% | 15.54% | 17.11% | 17.10% | 16.50% | 13.51% | 14.65% | -246 bps | |
| Net Interest Margin | 4.35% | 4.44% | 4.45% | 4.62% | 4.57% | 4.53% | 4.64% | 4.78% | +15 bps | |
| Efficiency Ratio | 56.06% | 55.67% | 56.04% | 53.17% | 53.93% | 54.08% | 59.01% | 55.49% | +232 bps | |
| Non-Interest Burden | 2.22% | 2.24% | 2.19% | 2.15% | 2.16% | 2.16% | 2.50% | 2.38% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.00% | 8.35% | 5.13% | 6.90% | 6.19% | 6.58% | 1.94% | 8.44% | +154 bps | |
| Loan Growth (YoY) | 6.25% | 2.38% | 2.68% | 1.06% | 3.78% | 11.52% | 7.47% | 10.86% | +980 bps | |
| Deposit Growth (YoY) | 0.93% | 3.62% | 4.38% | 2.52% | 5.67% | 5.11% | 1.09% | 4.48% | +196 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.56% | 1.22% | 2.66% | 2.38% | 2.51% | 2.28% | 2.22% | -45 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.24% | -0.01% | 0.00% | 0.00% | 0.09% | -0.02% | 0.04% | +4 bps | |
| Allowance / Loans | 0.95% | 0.98% | 1.03% | 1.01% | 1.00% | 1.01% | 1.08% | 1.07% | +6 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 0.8x | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.15% | 11.71% | 11.54% | 11.78% | 11.90% | 12.14% | 12.34% | 12.58% | +80 bps | |
| Total Risk-Based Capital | 11.15% | 11.71% | 11.54% | 11.78% | 11.90% | 12.14% | 12.34% | 12.58% | +80 bps | |
| Equity / Assets | 10.19% | 9.72% | 10.42% | 10.21% | 10.97% | 10.69% | 11.82% | 10.79% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.45% | 77.65% | 80.61% | 81.37% | 80.97% | 82.39% | 85.70% | 86.34% | +497 bps | |
| Liquid Assets / Assets | 3.25% | 12.52% | 7.49% | 9.63% | 8.65% | 12.48% | 6.30% | 11.64% | +201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 339% | 335% | 333% | n/a | n/a | |
Fredericksburg, TX · Cert 15809 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Security Holding Co.
State charter, non-member · FDIC · 21 branches
Q2 2026
Return on Assets
1.57%
Rank 63 of 258
Net Interest Margin
4.78%
Rank 13 of 258
Efficiency Ratio
55.49%
Rank 95 of 257
Equity / Assets
10.79%
Rank 103 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.93% | 1.23% | 1.54% | Beats 76% | 63 / 258 | ||
| Return on Equity | 14.52% | 9.26% | 11.84% | 14.74% | Beats 73% | 69 / 258 | ||
| Net Interest Margin | 4.78% | 3.16% | 3.49% | 3.88% | Beats 95% | 13 / 258 | ||
| Efficiency Ratio | 55.49% | 51.71% | 60.30% | 69.65% | Beats 63% | 95 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.22% | 0.19% | 0.46% | 0.90% | Beats 6% | 244 / 258 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 42% | 150 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.58% | 11.41% | 12.98% | 15.12% | Beats 43% | 148 / 258 | ||
| Total Risk-Based Capital Ratio | 12.58% | 12.10% | 13.91% | 16.08% | Beats 32% | 175 / 258 | ||
| Equity / Assets | 10.79% | 9.09% | 10.24% | 11.72% | Beats 60% | 103 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.34% | 73.24% | 86.34% | 95.95% | 50th pctl | 129 / 258 | ||
| Loans / Assets | 71.48% | 63.01% | 72.27% | 78.40% | 48th pctl | 133 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||