Security Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
Security Bank of Texas is an FDIC-insured commercial bank headquartered in Crawford, TX, established in 1940 (FDIC certificate 15731), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $175.9M, up 19.8% from Q2 2025, the 265th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15731
- Headquarters
- Crawford, TX
- Established
- 1940
- Total assets, Q2 2026
- $175.9M
- Assets vs Q2 2025
- +19.8%
- Tier 1 leverage ratio, Q2 2026
- 12.00%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111906349
- Latest call report
- Q2 2026, FFIEC 051 · Security Bank of Texas call report
- Holding company
- ANCHOR BANCSHARES, INC.
- Asset rank in state
- 265th of 346 in Texas
Problem loans are rising at Security Bank of Texas. The Crawford, Texas bank had $176 million in assets at June 30, 2026, up 19.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.75% of loans from 0.23% a year earlier. It keeps 5.37 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 21.4% over the year, 5.3 times the median of 4.0% for banks its size.
Net income for the quarter rose 14% from a year earlier, to $492,000. Over the same year, loans grew 15.6% and deposits grew 21.4%. Funding is the softer spot: it pays an average of 2.55% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Security Bank of Texas reported a return on assets of 1.13%, a nonperforming-loan ratio of 1.75% and a Texas ratio of 11.82%. The figures come from its call report filed with the FFIEC.
Security Bank of Texas ranks as the 265th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.1% to $175.9M, loans fell 2.3% and deposits rose 4.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.6% of total loans, ahead of construction and land development loans at 19.9%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Crawford office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Security Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6688 N Lone Star Pkwy, Crawford, TX 76638
- County
- Mclennan
- 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
- March 30, 1940
- Former names
- Security Bank of Crawford (2013-2022); The First Bank (2011-2013); Security Bank of Whitesboro (1986-2011)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $152.6M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $100K
- Average total assets
- $174.5M
- Average total loans
- $126.4M
- Average interest-bearing deposits
- $119.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 30, 1940
- FDIC Cert
- 15731
- Fed RSSD
- 435666
- SEC CIK
- 1798276 → filed by ANCHOR BANCSHARES, INC.
- Website
- www.secbank.net →
- Parent Holding Company
- ANCHOR BANCSHARES, INC. (RSSD 4851675)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Security Bank of Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Security Bank of Texas's total assets moved between a low of $129.0M (Q4 2023) and a high of $175.9M (Q2 2026) from Q3 2023 to Q2 2026, 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
$175.9M total assets against $146.9M; $155.1M total liabilities against $127.4M.
$123.7M net loans and leases against $107.0M; $152.6M total deposits against $125.8M.
$897K securities against $849K; $38.2M cash and balances due against $26.7M.
$3.1M total interest income against $2.6M; $967K total interest expense against $814K.
$2.1M net interest income against $1.8M.
$115K total noninterest income against $111K; $1.6M total noninterest expense against $1.3M.
$91K provision for credit losses against $36K.
$492K net income against $430K.
1.13% return on assets against 1.20%; 5.37% net interest margin against 5.46%.
12.00% tier 1 leverage ratio against 13.73%.
Inside the full Security Bank of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Security Bank of Texas rankings
Its closest position to the top of a national ranking is 489 of 3,640, for Texas Ratio; its furthest is 3,124 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q1 2026) to 1.38% (Q1 2025) and its net interest margin ran from 5.04% (Q3 2024) to 5.77% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.00% | 1.13% | 1.75% | 11.82% | 5.37% |
| Q1 2026 | 12.56% | 0.86% | 1.85% | 12.75% | 5.34% |
| Q4 2025 | 12.61% | 0.99% | 1.89% | 10.95% | 5.46% |
| Q3 2025 | 13.02% | 1.18% | 0.39% | 2.89% | 5.36% |
| Q2 2025 | 13.73% | 1.20% | 0.23% | 2.07% | 5.46% |
| Q1 2025 | 14.29% | 1.38% | 0.20% | 1.95% | 5.77% |
| Q4 2024 | 13.77% | 1.33% | 0.22% | 1.99% | 5.36% |
| Q3 2024 | 13.64% | 1.26% | 0.24% | 2.39% | 5.04% |
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 |
|---|---|---|---|
| Security Bank of Texas (main office) | Crawford , TX | 76638 | $80.4M |
| Security Bank of Crawford - Temple Branch | Temple , TX | 76504 | $25.6M |
| Security Bank of Texas - Austin Branch | Austin , TX | 78746 | $24.5M |
| Security Bank of Texas - Harker Heights Branch | Harker Heights , TX | 76548 | $22.2M |
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 7, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 7, 2009 | Structure Change | Acquired The First Bank, Roxton, Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 1987 | Structure Change | Acquired Collinsville State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 323 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 43 loans originated, $10.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $85K approved, $85K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Security Bank of Texas
What are Security Bank of Texas's total assets?
As of the Q2 2026 filing, Security Bank of Texas reported total assets of $175.9 million in its FFIEC call report.
Where is Security Bank of Texas headquartered?
It is headquartered in Crawford, TX, United States.
When was Security Bank of Texas founded?
It was established in 1940, per the FDIC institution directory.
Is Security Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15731). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank of Texas?
Security Bank of Texas's primary federal regulator is the FDIC.
How many branches does Security Bank of Texas 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 Security Bank of Texas's Texas Ratio?
Its Texas Ratio is 11.82% 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.
What was Security Bank of Texas previously called?
The charter now named Security Bank of Texas has also operated as Security Bank of Crawford (2013-2022), The First Bank (2011-2013), Security Bank of Whitesboro (1986-2011), per FDIC structure-change records.
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