First Security State Bank (Cranfills Gap, TX)
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Data as of · sourced from FFIEC call reports. How we update
First Security State Bank is an FDIC-insured commercial bank headquartered in Cranfills Gap, TX, established in 1910 (FDIC certificate 11932), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $183.1M, down 1.6% from Q2 2025, the 261st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 19.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11932
- Headquarters
- Cranfills Gap, TX
- Established
- 1910
- Total assets, Q2 2026
- $183.1M
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 19.90%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111910160
- Holding company
- BOSQUE BANCSHARES, INC.
- Asset rank in state
- 261st of 346 in Texas
First Security State Bank is one of the more profitable banks of its size. The Cranfills Gap, Texas bank had $183 million in assets at June 30, 2026, down 1.6% from a year earlier. It returns 28.8% a year on shareholders' equity, 2.3 times the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.03% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $678,000, 67% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.8 million equal 41% of Tier 1 capital, down from 57% a year earlier. Where it has less room is capital: it funds 7.60% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, First Security State Bank reported a CET1 capital ratio of 19.90%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.12%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First Security State Bank is the 261st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $183.1M, loans rose 2.0% and deposits rose 2.0%. 1-4 family residential loans made up 65.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 11.4%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Clifton office books 45% of its branch deposits. On its Q2 2026 call report, First Security State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 307 N 3rd St, Cranfills Gap, TX 76637
- County
- Bosque
- Metro Area
- Waco, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $172.9M
- Allowance for credit losses
- $750K
- Net charge-offs (YTD)
- $8K
- Average total assets
- $185.6M
- Average total loans
- $72.7M
- Average interest-bearing deposits
- $125.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11932
- Fed RSSD
- 819154
- Website
- www.fssbtexas.com →
- Parent Holding Company
- BOSQUE BANCSHARES, INC. (RSSD 1135057)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Security State Bank's total assets ranged from $163.7M (Q3 2023) to $188.6M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$183.1M total assets against $186.0M; $173.8M total liabilities against $178.9M.
$72.5M net loans and leases against $69.7M; $172.9M total deposits against $162.2M.
$87.2M securities against $93.8M; $16.7M cash and balances due against $16.4M.
$2.0M total interest income against $1.8M; $442K total interest expense against $475K.
$1.5M net interest income against $1.4M.
$351K total noninterest income against $308K; $1.2M total noninterest expense against $1.2M.
-$2K provision for credit losses against $4K.
$678K net income against $407K.
1.46% return on assets against 0.90%; 3.55% net interest margin against 3.18%.
19.90% CET1 capital ratio against 18.78%; 7.60% tier 1 leverage ratio against 7.40%.
Inside the full First Security State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Security State Bank rankings
Its closest position to the top of a national ranking is 347 of 2,134, for CET1 ratio; its furthest is 3,217 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q2 2025) to 1.46% (Q2 2026) and its net interest margin ran from 3.18% (Q2 2025) to 3.55% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.90% | 1.46% | 0.02% | 0.12% | 3.55% |
| Q1 2026 | 19.60% | 1.40% | 0.02% | 0.11% | 3.49% |
| Q4 2025 | 19.03% | 1.27% | 0.46% | 3.41% | 3.45% |
| Q3 2025 | 18.99% | 1.13% | 0.11% | 0.81% | 3.22% |
| Q2 2025 | 18.78% | 0.90% | 0.00% | 0.04% | 3.18% |
| Q1 2025 | 19.40% | 0.96% | 0.10% | 0.98% | 3.25% |
| Q4 2024 | 18.82% | 1.10% | 0.01% | 0.08% | 3.27% |
| Q3 2024 | 18.59% | 1.42% | 0.01% | 0.07% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clifton Branch | Clifton , TX | 76634 | $77.4M |
| First Security State Bank (main office) | Cranfills Gap , TX | 76637 | $39.0M |
| Meridain Branch | Meridian , TX | 76665 | $31.5M |
| Brazos Branch | Whitney , TX | 76692 | $24.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 13, 1990 | Structure Change | Acquired Iredell State Bank of Iredell, Texas Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 12, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 313 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Security State Bank
What are First Security State Bank's total assets?
As of the Q2 2026 filing, First Security State Bank reported total assets of $183.1 million in its FFIEC call report.
Where is First Security State Bank headquartered?
It is headquartered in Cranfills Gap, TX, United States.
When was First Security State Bank founded?
It was established in 1910, per the FDIC institution directory.
Is First Security State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Security State Bank?
First Security State Bank's primary federal regulator is the FDIC.
What is First Security State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Security State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Security State Bank's Texas Ratio?
Its Texas Ratio is 0.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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