Security State Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.21% from 2.49% in the prior period. Headquartered in Fredericksburg, Security State Bank & Trust serves the Texas market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $2.2B in assets, including $1.6B in loans. Returns are notably above industry norms: 2.37% ROA, 20.06% ROE, and 5.17% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.58% exceeds the CBLR threshold. Asset quality is impaired, with nonperforming loans at 3.21%. Security State Bank & Trust operates a 22-branch network.
As of June 30, 2026, Security State Bank & Trust reported a Tier 1 leverage ratio of 12.58%, a return on assets of 2.37%, a nonperforming-loan ratio of 3.21%, a Texas ratio of 20.21%, per financial data filed with the FFIEC.
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)
- Offices
- 22 domestic
- Employees (FTE)
- 312
- Domestic deposits
- $1.80B
- Allowance for credit losses
- $16.7M
- Net charge-offs (YTD)
- $292K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Security State Bank & Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Security State Bank & Trust, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.58% | 2.37% | 3.21% | 20.21% | 5.17% |
| Q1 2026 | 12.34% | 1.98% | 2.49% | 14.79% | 4.98% |
| Q4 2025 | 12.14% | 2.08% | 2.37% | 16.47% | 5.08% |
| Q3 2025 | 11.90% | 2.37% | 2.34% | 16.34% | 4.96% |
| Q2 2025 | 11.78% | 2.50% | 1.73% | 21.38% | 5.10% |
| Q1 2025 | 11.54% | 2.01% | 1.19% | 7.82% | 4.77% |
| Q4 2024 | 11.71% | 2.02% | 0.28% | 3.63% | 4.96% |
| Q3 2024 | 11.15% | 2.02% | 0.35% | 3.57% | 4.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| 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
What the public regulatory sources show for Security State Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 74 of 447 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Security State Bank & Trust headquartered?
Security State Bank & Trust is headquartered in Fredericksburg, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Security State Bank & Trust founded?
Security State Bank & Trust was established in 1941, per the FDIC institution directory.
Is Security State Bank & Trust FDIC-insured?
Yes. Security State Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Security State Bank & Trust operate?
Security State Bank & Trust 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?
Security State Bank & Trust's Texas Ratio is 20.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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