Security State Bank of Aitkin: Texas Ratio
Data as of · sourced from FFIEC call reports. How we update
Security State Bank of Aitkin reported a Texas ratio of 17.31% as of Q2 2026, ranking #238 of 3,642 U.S. banks (93rd percentile). That is up 10.25 percentage points from 7.06% a year earlier, and above the 2.76% median of the 1,874 Small Community Banks ($100M–$500M in assets). The Texas Ratio is the most-cited bank failure indicator. A ratio above 100% historically correlates with elevated failure risk.
12-Quarter Trend
National Context
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
Under 25%: healthy. 25-50%: above most banks (the median bank is near 3%) but below the 50% level at which problem assets reach half of the capital cushion. 50-100%: watch, problem assets exceed half of loss-absorbing capacity. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.
Full definition & formula →Frequently asked questions
What is Security State Bank of Aitkin's Texas Ratio?
Security State Bank of Aitkin's Texas Ratio was 17.31% as of Q2 2026, ranking #238 of 3,642 U.S. banks.
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
More Security State Bank of Aitkin metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Security State Bank of Aitkin profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16656) · FFIEC NIC profile (RSSD 267652)