SECURITY BANK OF TEXAS

CRAWFORD, TX | Small | Est. March 30, 1940, midnight | FDIC #15731 | RSSD #435666 | FDIC
Latest Report: 2025-12-31

SECURITY BANK OF TEXAS is asn small FDIC-insured commercial bank headquartered in CRAWFORD, TX, established in March 30, 1940, midnight. As of 2025-12-31, the bank reported total assets of $164M and total deposits of $142M. Profitability stands at 0.99% ROA and 7.93% ROE, with a net interest margin of 5.42%. The bank's CET1 capital ratio is 12.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.89% and a Texas Ratio of 10.95%. FDIC Certificate #15731.

Assets

$164M

Deposits

$142M

Loans

$121M

Equity

$20M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 7.93%
Net Interest Margin (NIM) 5.42%
Yield on Assets 7.82%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 1.89%
Net Charge-Off Ratio -0.03%
Texas Ratio 10.95%
NPA Ratio 1.46%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 12.35%
Tier 1 Capital 12.35%
Total Capital Ratio 12.96%
Leverage Ratio 12.61%
Loan-to-Deposit 85.24%

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