Security State Bank & Trust
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
$2.2BAssets
$1.6BLoans
$1.8BDeposits
$234.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 13 of 258).
- Widest gap: nonperforming loans / loans trails 94% of banks $1B-$10B in assets operating in a single state (rank 244 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $47.1M · efficiency ratio beats 63% 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 | 1.57% | 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 |