SECURITY STATE BANK

PEARSALL, TX | Medium | Est. Jan. 1, 1925, midnight | FDIC #1497 | RSSD #839068 | FDIC
Latest Report: 2025-12-31

SECURITY STATE BANK is amn medium FDIC-insured commercial bank headquartered in PEARSALL, TX, established in Jan. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $949M and total deposits of $845M. Profitability stands at 1.28% ROA and 11.54% ROE, with a net interest margin of 3.28%. The bank's CET1 capital ratio is 10.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.89% and a Texas Ratio of 4.61%. FDIC Certificate #1497.

Assets

$949M

Deposits

$845M

Loans

$557M

Equity

$102M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 11.54%
Net Interest Margin (NIM) 3.28%
Yield on Assets 5.48%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.89%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.61%
NPA Ratio 0.52%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 10.32%
Tier 1 Capital 10.32%
Total Capital Ratio 10.84%
Leverage Ratio 12.43%
Loan-to-Deposit 65.86%

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