FIRST SECURITY STATE BANK

CRANFILLS GAP, TX | Small | Est. Jan. 1, 1910, midnight | FDIC #11932 | RSSD #819154 | FDIC
Latest Report: 2025-12-31

FIRST SECURITY STATE BANK is asn small FDIC-insured commercial bank headquartered in CRANFILLS GAP, TX, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $184M and total deposits of $168M. Profitability stands at 1.26% ROA and 24.47% ROE, with a net interest margin of 3.47%. The bank's CET1 capital ratio is 19.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #11932.

Assets

$184M

Deposits

$168M

Loans

$74M

Equity

$10M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 24.47%
Net Interest Margin (NIM) 3.47%
Yield on Assets 4.52%
Cost of Funds 1.02%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 19.03%
Tier 1 Capital 19.03%
Total Capital Ratio 20.10%
Leverage Ratio 7.45%
Loan-to-Deposit 43.93%

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