Security State Bank (Basin, WY)
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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 Basin, WY, established in 1929 (FDIC certificate 12592), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $449.1M, up 4.1% from Q2 2025, the 9th largest of 24 banks headquartered in Wyoming. Its CET1 capital ratio was 16.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12592
- Headquarters
- Basin, WY
- Established
- 1929
- Total assets, Q2 2026
- $449.1M
- Assets vs Q2 2025
- +4.1%
- CET1 ratio, Q2 2026
- 16.19%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 102301911
- Latest call report
- Q2 2026, FFIEC 051 · Security State Bank call report
- Holding company
- FINANCIAL SECURITY CORPORATION
- Asset rank in state
- 9th of 24 in Wyoming
Security State Bank spends more to run itself than most banks of its size. Based in Basin, Wyoming, it had $449 million in assets at June 30, 2026, up 4.1% from a year earlier. It earns about $0.57 a year on every $100 of assets, about half the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 15.5% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $641,000, 51% above the same quarter a year earlier. Over the same year, loans grew 15.5% and deposits grew 0.7%. Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Security State Bank reported a CET1 capital ratio of 16.19%, a return on assets of 0.57%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.00%. The figures come from its call report filed with the FFIEC.
Security State Bank ranks as the 9th largest of the 24 banks based in Wyoming, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.2% to $449.1M, loans rose 11.1% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.3%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in WY; its Gillette office books 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, Security State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S 4th St, Basin, WY 82410
- County
- Big Horn
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 1, 1929
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $380.1M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $449.2M
- Average total loans
- $248.2M
- Average interest-bearing deposits
- $344.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12592
- Fed RSSD
- 955959
- Website
- https://www.ssbwyo.bank →
- Parent Holding Company
- FINANCIAL SECURITY CORPORATION (RSSD 1060850)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security State Bank's total assets ranged from $425.3M (Q3 2023) to $460.3M (Q4 2023), 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
$449.1M total assets against $431.3M; $410.5M total liabilities against $397.5M.
$257.1M net loans and leases against $222.4M; $380.1M total deposits against $377.4M.
$159.9M securities against $175.1M; $7.9M cash and balances due against $8.8M.
$5.2M total interest income against $4.8M; $1.8M total interest expense against $1.9M.
$3.4M net interest income against $2.9M.
$575K total noninterest income against $480K; $3.0M total noninterest expense against $2.8M.
$200K provision for credit losses against $79K.
$641K net income against $425K.
0.57% return on assets against 0.38%; 3.26% net interest margin against 2.85%.
16.19% CET1 capital ratio against 17.08%; 10.44% tier 1 leverage ratio against 10.21%.
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 683 of 2,134, for CET1 ratio; its furthest is 3,172 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.17% (Q4 2024) to 0.61% (Q3 2025) and its net interest margin ran from 2.45% (Q3 2024) to 3.26% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.19% | 0.57% | 0.22% | 1.00% | 3.26% |
| Q1 2026 | 17.42% | 0.53% | 0.24% | 0.98% | 3.06% |
| Q4 2025 | 18.08% | 0.55% | 0.11% | 0.22% | 2.95% |
| Q3 2025 | 16.90% | 0.61% | 0.12% | 0.31% | 2.96% |
| Q2 2025 | 17.08% | 0.38% | 0.09% | 0.56% | 2.85% |
| Q1 2025 | 17.05% | 0.20% | 0.01% | 0.05% | 2.67% |
| Q4 2024 | 16.91% | 0.17% | 0.00% | 0.00% | 2.58% |
| Q3 2024 | 18.71% | 0.23% | 0.00% | 0.00% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Gillette Branch | Gillette , WY | 82718 | $107.3M |
| Sheridan Branch | Sheridan , WY | 82801 | $97.7M |
| Security State Bank (main office) | Basin , WY | 82410 | $95.8M |
| Worland Branch | Worland , WY | 82401 | $75.1M |
| AdministrativeExecutive Branch | Basin , WY | 82410 | $4.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.7% of deposits in WY, rank 16 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 $449.1 million in its FFIEC call report.
Where is Security State Bank headquartered?
It is headquartered in Basin, WY, United States.
When was Security State Bank founded?
It was established in 1929, per the FDIC institution directory.
Is Security State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12592). 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 Federal Reserve.
What is Security State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security State Bank operate?
It operates 5 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 1.00% 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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