Spur Security Bank
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Data as of · sourced from FFIEC call reports. How we update
Spur Security Bank is an FDIC-insured commercial bank headquartered in Spur, TX, established in 1933 (FDIC certificate 15460), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $140.6M, up 20.6% from Q2 2025, the 287th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.91% 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
- 15460
- Headquarters
- Spur, TX
- Established
- 1933
- Total assets, Q2 2026
- $140.6M
- Assets vs Q2 2025
- +20.6%
- CET1 ratio, Q2 2026
- 17.91%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111305571
- Latest call report
- Q2 2026, FFIEC 051 · Spur Security Bank call report
- Holding company
- ESPUELA BANK SHARES, INC.
- Asset rank in state
- 287th of 346 in Texas
Spur Security Bank is growing quickly. Its balance sheet stood at $141 million at June 30, 2026, up 20.6% from a year earlier; it is based in Spur, Texas. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 28.9% over the year, 5.3 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $279,000, 54% above the same quarter a year earlier. Over the same year, loans grew 28.9% and deposits grew 17.0%. Funding is the softer spot: it pays an average of 2.42% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Spur Security Bank reported a CET1 capital ratio of 17.91%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Spur Security Bank is the 287th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.3% to $140.6M, loans rose 10.2% and deposits rose 6.0%. Commercial and industrial loans made up 28.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 27.6%. The FDIC Summary of Deposits lists 2 offices for it, in Spur, TX and Lubbock, TX; its Spur office books 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Spur Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 W Harris St, Spur, TX 79370
- County
- Dickens
- 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
- —
- Call Report form
- FFIEC 051
- Established
- December 23, 1933
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $127.3M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $141.0M
- Average total loans
- $92.4M
- Average interest-bearing deposits
- $89.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 9, 1937
- FDIC Cert
- 15460
- Fed RSSD
- 409265
- Website
- www.spur.bank →
- Parent Holding Company
- ESPUELA BANK SHARES, INC. (RSSD 1102554)
- Ultimate Parent
- DRY LAKE FINANCIAL, LLC (RSSD 5454288)
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
Spur Security Bank's total assets moved between a low of $80.2M (Q3 2023) and a high of $140.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$140.6M total assets against $116.6M; $128.0M total liabilities against $109.4M.
$94.5M net loans and leases against $73.4M; $127.3M total deposits against $108.8M.
$27.2M securities against $27.4M; $17.0M cash and balances due against $14.2M.
$2.1M total interest income against $1.7M; $751K total interest expense against $720K.
$1.3M net interest income against $1.0M.
$129K total noninterest income against $61K; $1.1M total noninterest expense against $882K.
$100K provision for credit losses against $10K.
$279K net income against $181K.
0.79% return on assets against 0.60%; 4.14% net interest margin against 3.88%.
17.91% CET1 capital ratio against 18.09%; 12.39% tier 1 leverage ratio against 11.37%.
Inside the full Spur Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSpur Security Bank rankings
Its closest position to the top of a national ranking is 491 of 2,134, for CET1 ratio; its furthest is 3,585 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.04% (Q4 2025) to 0.79% (Q2 2026) and its net interest margin ran from 3.33% (Q4 2024) to 4.14% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.91% | 0.79% | 0.00% | 0.00% | 4.14% |
| Q1 2026 | 15.71% | 0.66% | 0.00% | 0.00% | 3.64% |
| Q4 2025 | 15.70% | -0.04% | 0.17% | 1.49% | 3.64% |
| Q3 2025 | 17.46% | 0.51% | 0.06% | 0.49% | 3.73% |
| Q2 2025 | 18.09% | 0.60% | 0.52% | 4.88% | 3.88% |
| Q1 2025 | 19.79% | 0.08% | 0.00% | 0.00% | 3.40% |
| Q4 2024 | 21.80% | 0.01% | 0.00% | 0.00% | 3.33% |
| Q3 2024 | 22.78% | 0.76% | 0.00% | 0.00% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Spur Security Bank (main office) | Spur , TX | 79370 | $73.4M |
| Lubbock Branch | Lubbock , TX | 79424 | $53.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 346 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Spur Security Bank
What are Spur Security Bank's total assets?
As of the Q2 2026 filing, Spur Security Bank reported total assets of $140.6 million in its FFIEC call report.
Where is Spur Security Bank headquartered?
It is headquartered in Spur, TX, United States.
When was Spur Security Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Spur Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spur Security Bank?
Spur Security Bank's primary federal regulator is the FDIC.
What is Spur Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.91% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Spur Security Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spur Security Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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