Texas Security Bank: 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.
The standout move of Q2 2026 was in Deposits to assets: 4.78 percentage points higher than in Q1 2026, at 86.42%. Texas Security Bank ranks 240th of 345 Texas banks on return on assets, in the lower half at 1.12% (Q2 2026). Texas Security Bank reported 1.12% on return on assets for Q2 2026, 0.15 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.55% |
| Tier 1 leverage ratio | 9.57% |
| Equity capital to assets | 8.69% |
| Tangible equity to tangible assets | 8.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.15% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 287.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 13.60% |
| Net interest margin | 3.61% |
| Efficiency ratio | 57.44% |
| Yield on earning assets | 5.54% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.86% |
| Core deposits to total deposits | 87.29% |
| Brokered deposits to total deposits | 9.68% |
| Deposits to assets | 86.42% |
| Securities to assets | 14.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.21% | 12.21% | 13.38% | 8.61% | 0.94% |
| Q4 2023 | 12.32% | 12.32% | 13.55% | 8.83% | 0.79% |
| Q1 2024 | 12.57% | 12.57% | 13.80% | 9.16% | 0.69% |
| Q2 2024 | 12.82% | 12.82% | 14.05% | 9.42% | 0.61% |
| Q3 2024 | 12.62% | 12.62% | 13.87% | 9.44% | 0.61% |
| Q4 2024 | 13.46% | 13.46% | 14.71% | 9.59% | 1.15% |
| Q1 2025 | 13.75% | 13.75% | 15.00% | 9.86% | 0.84% |
| Q2 2025 | 13.36% | 13.36% | 14.61% | 9.74% | 0.78% |
| Q3 2025 | 13.56% | 13.56% | 14.81% | 9.72% | 1.04% |
| Q4 2025 | 13.94% | 13.94% | 15.08% | 9.80% | 1.58% |
| Q1 2026 | 13.07% | 13.07% | 14.20% | 10.01% | 1.06% |
| Q2 2026 | 13.35% | 13.35% | 14.55% | 9.57% | 1.12% |
Texas Security Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Security Bank, 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 Texas Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58739) · FFIEC NIC profile (RSSD 3619216)