Security State Bank (Farwell, TX)
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Data as of · sourced from FFIEC call reports. How we update
Security State Bank is an FDIC-insured commercial bank headquartered in Farwell, TX, established in 1925 (FDIC certificate 11907), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $338.0M, up 4.9% from Q2 2025, the 199th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.61% 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
- 11907
- Headquarters
- Farwell, TX
- Established
- 1925
- Total assets, Q2 2026
- $338.0M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 14.61%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111320899
- Asset rank in state
- 199th of 346 in Texas
Security State Bank runs leaner than most banks of its size. Based in Farwell, Texas, it had $338 million in assets at June 30, 2026, up 4.9% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $2.14 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Loans are outrunning deposits: over the year loans rose 15.8% and deposits rose 3.6%. Funding is the softer spot: it pays an average of 2.57% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Security State Bank reported a return on assets of 2.14%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 7.76%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Security State Bank is the 199th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $338.0M, loans fell 0.4% and deposits were flat. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 32.6% of total loans, followed by 1-4 family residential loans at 31.0%. Its one office in the FDIC Summary of Deposits is in Farwell, TX. Judged on its Q2 2026 call report, Security State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 5th St, Farwell, TX 79325
- County
- Parmer
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1925
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $288.3M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $332.1M
- Average total loans
- $267.7M
- Average interest-bearing deposits
- $245.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11907
- Fed RSSD
- 389358
- Website
- www.ssbfarwell.com →
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 State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Security State Bank's total assets ran between $272.6M (Q2 2024) and $344.0M (Q4 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
$338.0M total assets against $322.3M; $289.5M total liabilities against $279.2M.
$265.4M net loans and leases against $229.5M; $288.3M total deposits against $278.2M.
$24.5M securities against $34.6M; $38.2M cash and balances due against $47.9M.
$5.2M total interest income against $5.2M; $1.9M total interest expense against $2.1M.
$3.4M net interest income against $3.1M.
$113K total noninterest income against $140K; $1.5M total noninterest expense against $1.3M.
$250K provision for credit losses against $200K.
$1.8M net income against $1.8M.
2.14% return on assets against 2.27%; 4.23% net interest margin against 4.08%.
14.61% tier 1 leverage ratio against 13.71%.
Inside the full Security State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity State Bank rankings
Its closest position to the top of a national ranking is 265 of 3,606, for efficiency ratio; its furthest is 2,291 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q4 2025) to 3.72% (Q1 2025) and its net interest margin ran from 4.03% (Q1 2025) to 4.50% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.61% | 2.14% | 0.03% | 7.76% | 4.23% |
| Q1 2026 | 14.04% | 3.70% | 0.03% | 0.16% | 4.16% |
| Q4 2025 | 13.19% | 0.36% | 0.03% | 0.17% | 4.50% |
| Q3 2025 | 14.01% | 2.55% | 0.03% | 0.17% | 4.18% |
| Q2 2025 | 13.71% | 2.27% | 0.10% | 0.50% | 4.08% |
| Q1 2025 | 13.72% | 3.72% | 2.20% | 11.47% | 4.03% |
| Q4 2024 | 13.08% | 0.59% | 2.28% | 12.20% | 4.13% |
| Q3 2024 | 14.43% | 2.79% | 2.65% | 12.27% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank (main office) | Farwell , TX | 79325 | $288.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 245 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $280K approved, $280K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 Security State Bank
What are Security State Bank's total assets?
As of the Q2 2026 filing, Security State Bank reported total assets of $338.0 million in its FFIEC call report.
Where is Security State Bank headquartered?
It is headquartered in Farwell, TX, United States.
When was Security State Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Security State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security State Bank?
Security State Bank's primary federal regulator is the FDIC.
How many branches does Security State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security State Bank's Texas Ratio?
Its Texas Ratio is 7.76% 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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