Security Bank of Texas: 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 Loan-to-deposit ratio: 5.40 percentage points lower than in Q1 2026, at 82.17%. Within Texas, Security Bank of Texas is 239th of 345 on return on assets, 1.13% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Security Bank of Texas sits 0.12 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.00% |
| Equity capital to assets | 11.86% |
| Tangible equity to tangible assets | 11.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.75% |
| Non-performing assets ratio | 1.52% |
| Net charge-off ratio | 0.33% |
| Texas ratio | 11.82% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 77.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 9.51% |
| Net interest margin | 5.37% |
| Efficiency ratio | 68.71% |
| Yield on earning assets | 7.78% |
| Cost of funds | 2.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.17% |
| Core deposits to total deposits | 87.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.75% |
| Securities to assets | 0.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.30% | 1.41% | 4.92% | 0.07% | -0.03% |
| Q4 2023 | 10.65% | 1.44% | 4.74% | 0.07% | 0.45% |
| Q1 2024 | 10.90% | 1.26% | 4.69% | 0.14% | 0.36% |
| Q2 2024 | 14.05% | 1.27% | 5.03% | 0.13% | -0.05% |
| Q3 2024 | 13.64% | 1.26% | 5.04% | 0.24% | -0.03% |
| Q4 2024 | 13.77% | 1.33% | 5.36% | 0.22% | -0.20% |
| Q1 2025 | 14.29% | 1.38% | 5.77% | 0.20% | -0.02% |
| Q2 2025 | 13.73% | 1.20% | 5.46% | 0.23% | -0.04% |
| Q3 2025 | 13.02% | 1.18% | 5.36% | 0.39% | -0.02% |
| Q4 2025 | 12.61% | 0.99% | 5.46% | 1.89% | -0.03% |
| Q1 2026 | 12.56% | 0.86% | 5.34% | 1.85% | -0.01% |
| Q2 2026 | 12.00% | 1.13% | 5.37% | 1.75% | 0.33% |
Security Bank of Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of Texas, 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 Security Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15731) · FFIEC NIC profile (RSSD 435666)