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 CRE concentration (Tier 1 capital + allowance): 2.98 percentage points lower than in Q1 2026, at 266.62%. Security State Bank ranks 263rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 55.19% (Q2 2026). Security State Bank reported 55.19% on loan-to-deposit ratio for Q2 2026, 33.01 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $567.3M |
| Net loans and leases | $562.2M |
| Loans held for sale | $0 |
| Loans to total assets | 49.82% |
| Loan-to-deposit ratio | 55.19% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.54% |
| Multifamily (5+ residential) | 1.10% |
| Commercial and industrial | 5.38% |
| Consumer | 1.09% |
| Credit cards | 0.00% |
| Farm | 16.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.62% |
| Construction concentration (Tier 1 capital + allowance) | 76.65% |
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 | 6.48% |
| Interest income on loans | $9.1M |
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 | $440.9M | $719.2M | 52.13% | 5.27% | 1.72% |
| Q4 2023 | $466.7M | $792.6M | 48.93% | 5.16% | 1.76% |
| Q1 2024 | $480.0M | $796.6M | 48.88% | 5.81% | 1.75% |
| Q2 2024 | $513.9M | $793.8M | 52.07% | 5.40% | 1.61% |
| Q3 2024 | $533.3M | $776.1M | 50.39% | 5.45% | 1.59% |
| Q4 2024 | $544.8M | $837.1M | 52.67% | 5.47% | 1.52% |
| Q1 2025 | $542.0M | $812.1M | 52.49% | 5.10% | 1.44% |
| Q2 2025 | $549.5M | $804.1M | 50.07% | 5.05% | 1.48% |
| Q3 2025 | $554.6M | $789.0M | 50.50% | 4.98% | 1.37% |
| Q4 2025 | $556.6M | $845.2M | 48.61% | 5.10% | 1.35% |
| Q1 2026 | $556.1M | $1.02B | 50.30% | 5.49% | 1.23% |
| Q2 2026 | $567.3M | $1.03B | 50.54% | 5.38% | 1.09% |
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 1497) · FFIEC NIC profile (RSSD 839068)