Security State Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Security State Bank & Trust is an FDIC-insured commercial bank headquartered in Fredericksburg, TX, established in 1941 (FDIC certificate 15809), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.18B, up 8.4% from Q2 2025, the 53rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.58% 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
- 15809
- Headquarters
- Fredericksburg, TX
- Established
- 1941
- Total assets, Q2 2026
- $2.18B
- Assets vs Q2 2025
- +8.4%
- Tier 1 leverage ratio, Q2 2026
- 12.58%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 114921949
- Holding company
- SECURITY HOLDING COMPANY
- Asset rank in state
- 53rd of 346 in Texas
Security State Bank & Trust is one of the more profitable banks of its size. The Fredericksburg, Texas bank had $2.2 billion in assets at June 30, 2026, up 8.4% from a year earlier. It earns about $2.37 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 5.17 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.22% of loans, down from 2.66% a year earlier. Loans are outrunning deposits: over the year loans rose 10.9% and deposits rose 4.5%. Credit is the area to watch: it carries problem assets equal to 13.7% of the capital and reserves that would absorb them, 3.8 times the median of 3.6% for banks its size.
As of June 30, 2026, Security State Bank & Trust reported a return on assets of 2.37%, a nonperforming-loan ratio of 2.22% and a Texas ratio of 13.73%. The figures come from its call report filed with the FFIEC.
Security State Bank & Trust ranks as the 53rd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 9.9% to $2.18B, loans rose 4.4% and deposits rose 3.7%. Its loan book on June 30, 2026 was led by construction and land development loans, at 22.8% of total loans, followed by 1-4 family residential loans at 15.9%. Its 21 offices in the FDIC Summary of Deposits are in 18 cities in TX; its Fredericksburg 3 offices book 26% of its branch deposits. Judged on its Q2 2026 call report, Security State Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Main St, Fredericksburg, TX 78624
- County
- Gillespie
- Metro Area
- Fredericksburg, TX
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 7, 1941
- Former names
- Security State Bank and Trust (1962-2010)
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 312
- Domestic deposits
- $1.80B
- Allowance for credit losses
- $16.7M
- Net charge-offs (YTD)
- $292K
- Average total assets
- $1.98B
- Average total loans
- $1.54B
- Average interest-bearing deposits
- $1.42B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 7, 1941
- FDIC Cert
- 15809
- Fed RSSD
- 247355
- Website
- https://www.ssbtexas.com →
- Parent Holding Company
- SECURITY HOLDING COMPANY (RSSD 1107308)
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 & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Security State Bank & Trust's total assets moved between a low of $1.83B (Q3 2023) and a high of $2.18B (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
$2.18B total assets against $2.01B; $1.94B total liabilities against $1.80B.
$1.54B net loans and leases against $1.39B; $1.80B total deposits against $1.72B.
$258.9M securities against $303.0M; $265.9M cash and balances due against $213.9M.
$29.8M total interest income against $29.4M; $5.9M total interest expense against $6.6M.
$23.9M net interest income against $22.8M.
$3.2M total noninterest income against $3.0M; $14.2M total noninterest expense against $13.0M.
$1.1M provision for credit losses against $0.
$11.8M net income against $12.0M.
2.37% return on assets against 2.50%; 5.17% net interest margin against 5.10%.
12.58% tier 1 leverage ratio against 11.78%.
Inside the full Security State Bank & Trust 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 & Trust rankings
Its closest position to the top of a national ranking is 216 of 3,611, for ROA; its furthest is 690 of 980, for uninsured deposits.
Metric pages for Security State Bank & Trust: ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.98% (Q1 2026) to 2.50% (Q2 2025) and its net interest margin ran from 4.77% (Q1 2025) to 5.17% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.58% | 2.37% | 2.22% | 13.73% | 5.17% |
| Q1 2026 | 12.34% | 1.98% | 2.28% | 13.59% | 4.98% |
| Q4 2025 | 12.14% | 2.08% | 2.51% | 15.23% | 5.08% |
| Q3 2025 | 11.90% | 2.37% | 2.38% | 15.02% | 4.96% |
| Q2 2025 | 11.78% | 2.50% | 2.66% | 17.55% | 5.10% |
| Q1 2025 | 11.54% | 2.01% | 1.22% | 7.82% | 4.77% |
| Q4 2024 | 11.71% | 2.02% | 0.56% | 3.58% | 4.96% |
| Q3 2024 | 11.15% | 2.02% | 0.52% | 3.53% | 4.87% |
Swipe the table sideways to see every column.
Branch Network
View all 21 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 & Trust (main office) | Fredericksburg , TX | 78624 | $462.3M |
| Marble Falls Branch | Marble Falls , TX | 78654 | $320.4M |
| Kerrville Branch | Kerrville , TX | 78028 | $227.6M |
| Ingram Office Branch | Ingram , TX | 78025 | $89.7M |
| Blanco Branch | Blanco , TX | 78606 | $79.0M |
| New Braunfels Branch | New Braunfels , TX | 78130 | $74.2M |
| Bulverde Branch | Bulverde , TX | 78163 | $72.0M |
| Lago Vista Branch | Lago Vista , TX | 78645 | $67.7M |
| Boerne Branch | Boerne , TX | 78006 | $62.4M |
| Pale Face Branch | Spicewood , TX | 78669 | $61.8M |
| Comfort Branch | Comfort , TX | 78013 | $61.2M |
| Harper Branch | Harper , TX | 78631 | $60.1M |
| Kingsland Branch | Kingsland , TX | 78639 | $52.3M |
| Canyon Lake Branch | Canyon Lake , TX | 78133 | $46.8M |
| Dripping Springs Branch | Dripping Springs , TX | 78620 | $34.0M |
| Bee Cave Branch | Bee Cave , TX | 78738 | $15.0M |
| Fort Worth Branch | Fort Worth , TX | 76107 | $9.2M |
| Liberty Hill Branch | Liberty Hill , TX | 78642 | $6.3M |
| Kerrville Drive Through Facility | Kerrville , TX | 78028 | $0 |
| San Antonio Street Drive Through | Fredericksburg , TX | 78624 | $0 |
| Main Street Branch | Fredericksburg , TX | 78624 | $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 |
|---|---|---|---|
| January 13, 1989 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 12, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 1988 | Structure Change | Acquired Kingsland National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 16, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TX, rank 74 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 378 applications, 251 loans originated, $137.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 15 loans, $7.7M approved, $511K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 & Trust
What are Security State Bank & Trust's total assets?
As of the Q2 2026 filing, Security State Bank & Trust reported total assets of $2.18 billion in its FFIEC call report.
Where is Security State Bank & Trust headquartered?
It is headquartered in Fredericksburg, TX, United States.
When was Security State Bank & Trust founded?
It was established in 1941, per the FDIC institution directory.
Is Security State Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15809). 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 & Trust?
Security State Bank & Trust's primary federal regulator is the FDIC.
How many branches does Security State Bank & Trust operate?
It operates 22 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 & Trust's Texas Ratio?
Its Texas Ratio is 13.73% 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 Security State Bank & Trust previously called?
The charter now named Security State Bank & Trust has also operated as Security State Bank and Trust (1962-2010), per FDIC structure-change records.
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