First Security State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 0.77 percentage points lower than in Q1 2026, at 92.07%. Within Texas, First Security State Bank is 180th of 345 on return on assets, 1.46% as of Q2 2026. First Security State Bank reported 1.46% on return on assets for Q2 2026, 0.20 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.90% |
| Tier 1 risk-based capital ratio | 19.90% |
| Total risk-based capital ratio | 20.97% |
| Tier 1 leverage ratio | 7.60% |
| Equity capital to assets | 5.03% |
| Tangible equity to tangible assets | 4.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.12% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 6818.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 28.81% |
| Net interest margin | 3.55% |
| Efficiency ratio | 62.80% |
| Yield on earning assets | 4.55% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 42.39% |
| Core deposits to total deposits | 92.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 94.44% |
| Securities to assets | 47.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.16% | 17.16% | 18.23% | 7.74% | 1.04% |
| Q4 2023 | 17.21% | 17.21% | 18.30% | 7.72% | 1.16% |
| Q1 2024 | 17.73% | 17.73% | 18.86% | 7.79% | 0.88% |
| Q2 2024 | 17.79% | 17.79% | 18.90% | 7.87% | 0.81% |
| Q3 2024 | 18.59% | 18.59% | 19.73% | 7.66% | 1.42% |
| Q4 2024 | 18.82% | 18.82% | 19.94% | 7.53% | 1.10% |
| Q1 2025 | 19.40% | 19.40% | 20.53% | 7.51% | 0.96% |
| Q2 2025 | 18.78% | 18.78% | 19.86% | 7.40% | 0.90% |
| Q3 2025 | 18.99% | 18.99% | 20.05% | 7.28% | 1.13% |
| Q4 2025 | 19.03% | 19.03% | 20.10% | 7.45% | 1.27% |
| Q1 2026 | 19.60% | 19.60% | 20.69% | 7.63% | 1.40% |
| Q2 2026 | 19.90% | 19.90% | 20.97% | 7.60% | 1.46% |
First Security State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11932) · FFIEC NIC profile (RSSD 819154)