Bank Safety Analysis
Security State Bank: final safety record
BankRegReports is independent of Security State Bank and never asks for online banking logins or passwords.
Net interest margin dropped 0.69 percentage points in Q1 2025, from 5.17% to 4.48%. It was the largest change from Q4 2024 among the key lines here. From Q2 2022 to Q1 2025, Security State Bank's CET1 ratio ranged between 30.48% (Q2 2022) and 40.73% (Q1 2025) and its Texas ratio ranged between 0.00% (Q3 2024) and 1.19% (Q3 2023). Between Q1 2024 and Q1 2025, Security State Bank's CET1 ratio rose from 35.44% to 40.73%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.01% to 0.16%, Texas ratio rose from 0.17% to 0.34% and return on assets fell from 3.18% to 2.49%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 40.73% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 16.77% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.16% are within industry-normal range.
Texas Ratio of 0.3% is well below the 100% historical failure threshold.
Efficiency ratio of 46.9% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q1 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 40.73% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.34% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.16% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 46.91% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 87.26% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2025 | 40.73% |
| Q4 2024 | 38.95% |
| Q3 2024 | 37.80% |
| Q2 2024 | 36.69% |
| Q1 2024 | 35.44% |
| Q4 2023 | 33.95% |
| Q3 2023 | 35.79% |
| Q2 2023 | 34.02% |
| Q1 2023 | 33.18% |
| Q4 2022 | 31.80% |
| Q3 2022 | 30.66% |
| Q2 2022 | 30.48% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q1 2025 | 0.34% |
| Q4 2024 | 0.08% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.17% |
| Q4 2023 | 0.89% |
| Q3 2023 | 1.19% |
| Q2 2023 | 0.93% |
| Q1 2023 | 0.96% |
| Q4 2022 | 0.99% |
| Q3 2022 | 1.09% |
| Q2 2022 | 1.11% |
Security State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Mar 31, 2025 | 40.73% | 0.16% | 0.34% | 2.49% |
| Dec 31, 2024 | 38.95% | 0.03% | 0.08% | 2.83% |
| Sep 30, 2024 | 37.80% | 0.00% | 0.00% | 2.95% |
| Jun 30, 2024 | 36.69% | 0.00% | 0.00% | 3.52% |
| Mar 31, 2024 | 35.44% | 0.01% | 0.17% | 3.18% |
| Dec 31, 2023 | 33.95% | 0.08% | 0.89% | 2.10% |
| Sep 30, 2023 | 35.79% | 0.21% | 1.19% | 3.26% |
| Jun 30, 2023 | 34.02% | 0.08% | 0.93% | 3.28% |
| Mar 31, 2023 | 33.18% | 0.09% | 0.96% | 3.18% |
| Dec 31, 2022 | 31.80% | 0.09% | 0.99% | 3.46% |
| Sep 30, 2022 | 30.66% | 0.10% | 1.09% | 1.84% |
| Jun 30, 2022 | 30.48% | 0.10% | 1.11% | 1.55% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 13232) · FFIEC NIC profile (RSSD 111979)
Explore: Full Security State Bank profile · Other banks in WA · Metric glossary · How the call report works