Security State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.45 percentage points higher than in Q1 2026, at 18.16%. Within Texas, Security State Bank is 35th of 346 on loan-to-deposit ratio, 93.03% as of Q2 2026. Security State Bank reported 93.03% on loan-to-deposit ratio for Q2 2026, 12.48 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $268.2M |
| Net loans and leases | $265.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.34% |
| Loan-to-deposit ratio | 93.03% |
| Net loans to equity capital | 5.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.34% |
| Multifamily (5+ residential) | 1.69% |
| Commercial and industrial | 32.60% |
| Consumer | 0.90% |
| Credit cards | 0.00% |
| Farm | 15.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.58% |
| Construction concentration (Tier 1 capital + allowance) | 18.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.09% |
| Interest income on loans | $4.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $176.7M | $244.8M | 5.65% | 39.52% | 0.69% |
| Q4 2023 | $178.1M | $266.8M | 5.15% | 39.78% | 0.67% |
| Q1 2024 | $174.3M | $242.6M | 5.11% | 38.18% | 0.81% |
| Q2 2024 | $173.8M | $235.7M | 4.98% | 40.58% | 0.83% |
| Q3 2024 | $190.1M | $252.6M | 4.77% | 38.93% | 0.88% |
| Q4 2024 | $221.0M | $271.8M | 4.09% | 34.54% | 0.79% |
| Q1 2025 | $230.2M | $272.5M | 3.93% | 35.37% | 0.82% |
| Q2 2025 | $231.5M | $278.2M | 5.26% | 34.00% | 0.93% |
| Q3 2025 | $236.0M | $284.7M | 5.20% | 32.76% | 1.02% |
| Q4 2025 | $264.5M | $299.7M | 4.61% | 32.64% | 0.90% |
| Q1 2026 | $269.2M | $288.3M | 4.42% | 32.45% | 0.90% |
| Q2 2026 | $268.2M | $288.3M | 4.34% | 32.60% | 0.90% |
Security State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank, freeSource: Call Report Schedule RC-C, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11907) · FFIEC NIC profile (RSSD 389358)