Security State Bank (Pearsall, 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 Pearsall, TX, established in 1925 (FDIC certificate 1497), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.14B, up 26.4% from Q2 2025, the 82nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.74% 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
- 1497
- Headquarters
- Pearsall, TX
- Established
- 1925
- Total assets, Q2 2026
- $1.14B
- Assets vs Q2 2025
- +26.4%
- Tier 1 leverage ratio, Q2 2026
- 10.74%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 114904775
- Holding company
- CARPENTER BANK HOLDINGS LLC
- Asset rank in state
- 82nd of 346 in Texas
Security State Bank is growing quickly. Based in Pearsall, Texas, it had $1.1 billion in assets at June 30, 2026, up 26.4% from a year earlier. It grew deposits 27.8% over the year, 5.5 times the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Net income for the quarter rose 25% from a year earlier, to $3.9 million. Over the same year, loans grew 3.2% and deposits grew 27.8%. Its margin is thin by comparison: it keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Security State Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 4.47%. The figures come from its call report filed with the FFIEC.
Security State Bank ranks as the 82nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $1.14B, loans rose 2.0% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 41.9% of total loans, ahead of construction and land development loans at 17.3%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities in TX; its Pearsall 2 offices book 68% of its branch deposits. On its Q2 2026 call report, Security State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1000 N Oak St, Pearsall, TX 78061
- County
- Frio
- 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
- January 1, 1925
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $1.03B
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $114K
- Average total assets
- $1.15B
- Average total loans
- $561.0M
- Average interest-bearing deposits
- $873.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1497
- Fed RSSD
- 839068
- Website
- www.securitystbk.com →
- Parent Holding Company
- CARPENTER BANK HOLDINGS LLC (RSSD 6145921)
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
Security State Bank's total assets moved between a low of $798.6M (Q3 2023) and a high of $1.14B (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
$1.14B total assets against $901.1M; $1.03B total liabilities against $806.3M.
$562.2M net loans and leases against $544.8M; $1.03B total deposits against $804.1M.
$323.4M securities against $258.6M; $225.5M cash and balances due against $76.2M.
$13.8M total interest income against $11.3M; $5.7M total interest expense against $4.6M.
$8.1M net interest income against $6.7M.
$663K total noninterest income against $621K; $3.9M total noninterest expense against $3.6M.
$180K provision for credit losses against $50K.
$3.9M net income against $3.1M.
1.35% return on assets against 1.36%; 2.98% net interest margin against 3.10%.
10.74% tier 1 leverage ratio against 12.50%.
Inside the full Security State Bank 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 State Bank rankings
Its closest position to the top of a national ranking is 346 of 3,606, for efficiency ratio; its furthest is 1,636 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q3 2024) to 1.36% (Q1 2026) and its net interest margin ran from 2.54% (Q3 2024) to 3.16% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.74% | 1.35% | 0.00% | 4.47% | 2.98% |
| Q1 2026 | 11.76% | 1.36% | 0.89% | 4.56% | 3.11% |
| Q4 2025 | 12.43% | 1.26% | 0.89% | 4.72% | 3.16% |
| Q3 2025 | 12.77% | 1.24% | 0.91% | 11.06% | 3.10% |
| Q2 2025 | 12.50% | 1.36% | 0.08% | 0.43% | 3.10% |
| Q1 2025 | 11.91% | 1.15% | 0.21% | 1.21% | 2.85% |
| Q4 2024 | 11.66% | 1.07% | 0.66% | 4.00% | 2.72% |
| Q3 2024 | 12.21% | 0.84% | 0.67% | 3.76% | 2.54% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 State Bank (main office) | Pearsall , TX | 78061 | $666.7M |
| West Oaklawn Branch | Pleasanton , TX | 78064 | $174.3M |
| Medina Valley State Bank - Devine Branch | Devine , TX | 78016 | $112.2M |
| Pearsall Branch | Pearsall , TX | 78061 | $35.3M |
| Castroville Branch | Castroville , TX | 78009 | $32.9M |
| Hondo Branch | Hondo , TX | 78861 | $6.5M |
| Devine Branch | Devine , TX | 78016 | $0 |
| Natalia Branch | Natalia , TX | 78059 | $0 |
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 |
|---|---|---|---|
| June 5, 2010 | Structure Change | Acquired Medina Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 109 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $45K approved, $45K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (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 $1.14 billion in its FFIEC call report.
Where is Security State Bank headquartered?
It is headquartered in Pearsall, 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 #1497). 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 8 domestic offices, 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 4.47% 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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