Security State Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 10.26 percentage points in Q2 2026, from 43.60% to 33.34%. It was the largest change from Q1 2026 among the key lines here. Among 345 Texas banks, Security State Bank & Trust sits 32nd from the top on return on assets, 2.37% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Security State Bank & Trust reported 2.37% on return on assets in Q2 2026, 1.10 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.58% |
| Equity capital to assets | 10.79% |
| Tangible equity to tangible assets | 10.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.21% |
| Non-performing assets ratio | 2.30% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 20.21% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 33.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.37% |
| Return on equity | 20.06% |
| Net interest margin | 5.17% |
| Efficiency ratio | 51.53% |
| Yield on earning assets | 6.43% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.34% |
| Core deposits to total deposits | 94.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.79% |
| Securities to assets | 11.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.44% | 2.20% | 4.55% | 0.26% | 0.01% |
| Q4 2023 | 10.93% | 2.03% | 4.51% | 0.69% | 0.01% |
| Q1 2024 | 10.78% | 1.63% | 4.41% | 0.74% | 0.19% |
| Q2 2024 | 10.86% | 2.20% | 4.67% | 0.37% | 0.06% |
| Q3 2024 | 11.15% | 2.02% | 4.87% | 0.35% | 0.30% |
| Q4 2024 | 11.71% | 2.02% | 4.96% | 0.28% | 0.38% |
| Q1 2025 | 11.54% | 2.01% | 4.77% | 1.19% | -0.01% |
| Q2 2025 | 11.78% | 2.50% | 5.10% | 1.73% | 0.01% |
| Q3 2025 | 11.90% | 2.37% | 4.96% | 2.34% | -0.00% |
| Q4 2025 | 12.14% | 2.08% | 5.08% | 2.37% | 0.36% |
| Q1 2026 | 12.34% | 1.98% | 4.98% | 2.49% | -0.02% |
| Q2 2026 | 12.58% | 2.37% | 5.17% | 3.21% | 0.10% |
Security State Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)