Bank Comparison
Bank of South Texas vs Security Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of South Texas | Security Bank of Texas |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.57% | 12.56% |
| Equity / Assets | 18.29% | 12.14% |
Profitability
| Metric | Bank of South Texas | Security Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 0.86% |
| Return on Equity (ROE) | 4.66% | 6.95% |
| Net Interest Margin (NIM) | 6.70% | 5.34% |
| Yield on Earning Assets | 8.45% | 7.74% |
| Cost of Funds | 1.94% | 2.50% |
Asset quality
| Metric | Bank of South Texas | Security Bank of Texas |
|---|---|---|
| Texas Ratio | 0.71% | 12.75% |
| Non-Performing Loan Ratio | 0.00% | 1.85% |
| Non-Performing Asset Ratio | 0.00% | 1.68% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.23% | 1.33% |
Balance sheet
| Metric | Bank of South Texas | Security Bank of Texas |
|---|---|---|
| Total Assets | $170,561K | $168,979K |
| Total Deposits | $137,765K | $146,535K |
| Total Loans | $117,713K | $128,330K |
| Total Equity | $31,188K | $20,511K |
| Net Income (quarter) | $362 | $354 |
Liquidity & funding
| Metric | Bank of South Texas | Security Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 85.44% | 87.58% |
| Core Deposit Ratio | 77.32% | 84.92% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of South Texas | Security Bank of Texas |
|---|---|---|
| Headquarters City | MCALLEN | CRAWFORD |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 4 |
| Employees (FTE) | 70 | 31 |
| Established | July 8, 1986, midnight | March 30, 1940, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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