The Security State Bank (McRae-Helena, GA)
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Data as of · sourced from FFIEC call reports. How we update
The Security State Bank is an FDIC-insured commercial bank headquartered in McRae-Helena, GA, established in 1950 (FDIC certificate 19680), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $70.5M, up 10.8% from Q2 2025, the 118th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 25.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19680
- Headquarters
- McRae-Helena, GA
- Established
- 1950
- Total assets, Q2 2026
- $70.5M
- Assets vs Q2 2025
- +10.8%
- CET1 ratio, Q2 2026
- 25.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061212853
- Latest call report
- Q2 2026, FFIEC 051 · The Security State Bank call report
- Holding company
- FARMERS BANCSHARES, INC.
- Asset rank in state
- 118th of 121 in Georgia
Problem loans are rising at The Security State Bank. Its balance sheet stood at $70 million at June 30, 2026, up 10.8% from a year earlier; it is based in Mcrae-Helena, Georgia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.59% of loans from 0.02% a year earlier. It keeps 5.30 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also shrank its loan book 9.4% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Loans and deposits moved in opposite directions: over the year loans fell 9.4% and deposits rose 11.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.0 times its capital, 3.9 times the median of 26% for banks its size.
As of June 30, 2026, The Security State Bank reported a CET1 capital ratio of 25.53%, a return on assets of 1.86%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 1.96%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, The Security State Bank is the 118th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $70.5M, loans fell 10.5% and deposits were flat. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.4% of total loans, followed by 1-4 family residential loans at 19.3%. The FDIC Summary of Deposits lists a single office for it, in Mcrae, GA. On its Q2 2026 call report, The Security State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 45 W Oak St, McRae-Helena, GA 31055
- County
- Telfair
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1950
- Former names
- The Security State Bank (1972)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $61.0M
- Allowance for credit losses
- $835K
- Net charge-offs (YTD)
- $19K
- Average total assets
- $70.4M
- Average total loans
- $34.5M
- Average interest-bearing deposits
- $34.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1967
- FDIC Cert
- 19680
- Fed RSSD
- 598132
- Website
- https://securitystate.net →
- Parent Holding Company
- FARMERS BANCSHARES, INC. (RSSD 1080885)
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
The Security State Bank's total assets moved between a low of $55.4M (Q4 2023) and a high of $70.5M (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
$70.5M total assets against $63.6M; $61.3M total liabilities against $55.1M.
$32.3M net loans and leases against $35.8M; $61.0M total deposits against $54.9M.
$13.4M securities against $10.0M; $21.5M cash and balances due against $14.3M.
$1.0M total interest income against $1.0M; $163K total interest expense against $155K.
$884K net interest income against $893K.
$61K total noninterest income against $49K; $588K total noninterest expense against $554K.
$30K provision for credit losses against $30K.
$327K net income against $358K.
1.86% return on assets against 2.26%; 5.30% net interest margin against 6.04%.
25.53% CET1 capital ratio against 22.94%; 14.11% tier 1 leverage ratio against 14.68%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.79% (Q4 2024) to 2.26% (Q2 2025) and its net interest margin ran from 5.30% (Q2 2026) to 6.26% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.53% | 1.86% | 0.59% | 1.96% | 5.30% |
| Q1 2026 | 22.80% | 1.97% | 0.54% | 2.06% | 5.54% |
| Q4 2025 | 23.16% | 2.03% | 0.51% | 1.92% | 5.90% |
| Q3 2025 | 23.22% | 2.23% | 0.54% | 2.00% | 5.67% |
| Q2 2025 | 22.94% | 2.26% | 0.02% | 0.08% | 6.04% |
| Q1 2025 | 21.73% | 1.88% | 0.00% | 0.00% | 5.67% |
| Q4 2024 | 22.03% | 1.79% | 0.00% | 0.00% | 5.84% |
| Q3 2024 | 20.88% | 2.25% | 0.19% | 0.83% | 6.26% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| The Security State Bank | Mcrae , GA | 31055 | $61.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 163 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Security State Bank
What are The Security State Bank's total assets?
As of the Q2 2026 filing, The Security State Bank reported total assets of $70.5 million in its FFIEC call report.
Where is The Security State Bank headquartered?
It is headquartered in McRae-Helena, GA, United States.
When was The Security State Bank founded?
It was established in 1950, per the FDIC institution directory.
Is The Security State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Security State Bank?
The Security State Bank's primary federal regulator is the FDIC.
What is The Security State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Security State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Security State Bank's Texas Ratio?
Its Texas Ratio is 1.96% 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.
What was The Security State Bank previously called?
The charter now named The Security State Bank has also operated as The Security State Bank (1972), per FDIC structure-change records.
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