SECURITY STATE BANK, THE

MCRAE-HELENA, GA | Micro | Est. Feb. 1, 1950, midnight | FDIC #19680 | RSSD #598132 | FDIC
Latest Report: 2025-12-31

SECURITY STATE BANK, THE is amn micro FDIC-insured commercial bank headquartered in MCRAE-HELENA, GA, established in Feb. 1, 1950, midnight. As of 2025-12-31, the bank reported total assets of $68M and total deposits of $58M. Profitability stands at 2.04% ROA and 14.73% ROE, with a net interest margin of 6.08%. The bank's CET1 capital ratio is 23.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 1.92%. FDIC Certificate #19680.

Assets

$68M

Deposits

$58M

Loans

$39M

Equity

$9M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 14.73%
Net Interest Margin (NIM) 6.08%
Yield on Assets 7.21%
Cost of Funds 2.09%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.92%
NPA Ratio 0.29%
ACL / Loans 2.06%

Capital & Liquidity

CET1 Ratio 23.16%
Tier 1 Capital 23.16%
Total Capital Ratio 24.42%
Leverage Ratio 14.99%
Loan-to-Deposit 66.18%

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