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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.92% | 1.83% | 1.60% | 1.52% | 1.78% | -14 bps | |
| Return on Equity | 18.59% | 17.29% | 14.74% | 13.51% | 15.75% | -285 bps | |
| Net Interest Margin | 4.74% | 4.62% | 4.73% | 4.64% | 4.83% | +10 bps | |
| Efficiency Ratio | 50.39% | 55.41% | 54.50% | 59.01% | 52.09% | +170 bps | |
| Non-Interest Burden | 2.08% | 2.26% | 2.29% | 2.50% | 2.20% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.90% | 6.19% | 6.58% | 1.94% | 8.44% | +154 bps | |
| Loan Growth (YoY) | 1.06% | 3.78% | 11.52% | 7.47% | 10.86% | +980 bps | |
| Deposit Growth (YoY) | 2.52% | 5.67% | 5.11% | 1.09% | 4.48% | +196 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.66% | 2.38% | 2.51% | 2.28% | 2.22% | -45 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.35% | -0.02% | 0.10% | +9 bps | |
| Allowance / Loans | 1.01% | 1.00% | 1.01% | 1.08% | 1.07% | +6 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.78% | 11.90% | 12.14% | 12.34% | 12.58% | +80 bps | |
| Total Risk-Based Capital | 11.78% | 11.90% | 12.14% | 12.34% | 12.58% | +80 bps | |
| Equity / Assets | 10.21% | 10.97% | 10.69% | 11.82% | 10.79% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.37% | 80.97% | 82.39% | 85.70% | 86.34% | +497 bps | |
| Liquid Assets / Assets | 9.63% | 8.65% | 12.48% | 6.30% | 11.64% | +201 bps | |
| CRE / Total Capital | n/a | 339% | 335% | 333% | n/a | n/a | |