Security State Bank & Trust: 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 Loans held for sale: 118.8% higher than in Q1 2026, at $3.4M. Security State Bank & Trust ranks 81st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.34% (Q2 2026). At 86.34%, Security State Bank & Trust's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.56B |
| Net loans and leases | $1.54B |
| Loans held for sale | $3.4M |
| Loans to total assets | 71.48% |
| Loan-to-deposit ratio | 86.34% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.73% |
| Multifamily (5+ residential) | 4.92% |
| Commercial and industrial | 13.13% |
| Consumer | 2.43% |
| Credit cards | 0.00% |
| Farm | 12.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 251.71% |
| Construction concentration (Tier 1 capital + allowance) | 133.54% |
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 | 7.21% |
| Interest income on loans | $27.7M |
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 | $1.29B | $1.65B | 25.52% | 12.54% | 1.82% |
| Q4 2023 | $1.30B | $1.65B | 25.05% | 13.72% | 1.86% |
| Q1 2024 | $1.35B | $1.65B | 28.29% | 13.21% | 1.68% |
| Q2 2024 | $1.39B | $1.68B | 27.12% | 12.80% | 1.99% |
| Q3 2024 | $1.37B | $1.66B | 27.87% | 12.81% | 1.95% |
| Q4 2024 | $1.33B | $1.71B | 28.10% | 13.16% | 2.20% |
| Q1 2025 | $1.39B | $1.72B | 27.48% | 13.37% | 2.53% |
| Q2 2025 | $1.40B | $1.72B | 27.18% | 13.46% | 2.65% |
| Q3 2025 | $1.42B | $1.76B | 27.41% | 13.10% | 2.68% |
| Q4 2025 | $1.48B | $1.80B | 27.39% | 12.35% | 2.68% |
| Q1 2026 | $1.49B | $1.74B | 26.43% | 12.47% | 2.60% |
| Q2 2026 | $1.56B | $1.80B | 27.73% | 13.13% | 2.43% |
Security State Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15809) · FFIEC NIC profile (RSSD 247355)