BanksSECURITY BANK OF TEXAS

SECURITY BANK OF TEXAS

CRAWFORD, TXSmallEst. March 30, 1940, midnightFDIC #15731RSSD #435666FDIC
Latest · 2025-12-31

SECURITY BANK OF TEXAS is an 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%. CET1 capital ratio: 12.35%, well above regulatory minimums. NPL ratio: 1.89% · Texas Ratio: 10.95%. Operates 4 domestic branches.

Assets
$164M
Deposits
$142M
Loans
$121M
Equity
$20M

Profitability

Return on Assets (ROA)0.99%
Return on Equity (ROE)7.93%
Net Interest Margin5.42%
Yield on Assets7.82%
Cost of Funds2.55%

Asset Quality

NPL Ratio1.89%
Net Charge-Off Ratio-0.03%
Texas Ratio10.95%
NPA Ratio1.46%
ACL / Loans1.34%

Capital & Liquidity

CET1 Ratio12.35%
Tier 1 Capital12.35%
Total Capital Ratio12.96%
Leverage Ratio12.61%
Loan-to-Deposit85.24%

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