BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 11907

Farwell, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +3.6% year over year ($288.3M on the books).
Delinquency rate 0.03%.
Return on assets 2.86%.
Efficiency ratio 35.12% vs a 64.48% peer average.
Loan-to-deposit ratio 92.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Security State Bank demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 20.3% in tier
+ Return on Assets 1.54% above tier average
+ Efficiency Ratio 29.35% below tier average
+ Net Interest Margin 0.22% above tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Security State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$338.0M +4.9% YoY +0.6% QoQ	-$48.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$265.4M +15.6% YoY -0.5% QoQ	+$7.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$288.3M +3.6% YoY +0.0% QoQ	-$38.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	2.86% -1.6% YoY -21.0% QoQ	+1.54%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 2.6% in tier
Net Interest Margin ?	4.21% +3.1% YoY +1.2% QoQ	+0.22%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	35.12% +6.2% YoY +16.4% QoQ	-29.35%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 1.8% in tier
Delinquency Rate ?	0.03% -68.0% YoY +8.3% QoQ	-0.89%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	92.06% +11.6% YoY -0.5% QoQ	+14.11%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	14.45% +3.9% YoY -8.1% QoQ	-7.59%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	1.18%	+0.51%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	14.61% +6.6% YoY +4.1% QoQ	-1.30%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.46% +12.5% YoY +7.2% QoQ	-0.11%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 11.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	14.4% +0.5pp YoY -1.3pp QoQ	-7.7pp	22.1%	29.2%	22.2%	22%
Brokered Deposits	12.6% +0.3pp YoY +1.8pp QoQ	+4.7pp	7.9%	8.0%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	32.9% -1.4pp YoY +0.2pp QoQ	+21.4pp	11.6%	14.8%	12.5%	97%
CRE	9.6% -0.6pp YoY +0.9pp QoQ	-29.9pp	39.5%	48.4%	41.4%	5%
1-4 Family	31.3% +6.5pp YoY +0.8pp QoQ	-1.3pp	32.6%	25.8%	31.3%	54%
Consumer	0.9% 0.0pp YoY 0.0pp QoQ	-3.2pp	4.1%	4.7%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	14.6% +0.9pp YoY +0.6pp QoQ	+2.4pp	12.2%	12.6%	12.6%	85%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	19 +2 (+11.8%) YoY 0 QoQ	-40	58	186	482	9%
Assets per Employee ($)	$17.8M -6.2% YoY +0.6% QoQ	+$10.3M	$7.5M	$10.1M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY	-0.3pp	0.3%	0.3%	0.4%	17%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	6%
Allowance Coverage	33.63x +278.1% YoY +1.9% QoQ	+9.47x	24.15x	18.82x	20.23x	92%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	20.9% -1.5pp YoY -6.3pp QoQ	+8.7pp	12.2%	13.2%	11.6%	90%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.6%	1.7%	84%
Net Income ($, YTD)	$4.8M +5.7% YoY — QoQ	+$2.3M	$2.6M	$15.9M	$40.4M	87%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#135 of 661 • Top 20.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.46%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.86%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 35.12%

Peer Median: 64.48%

#48 of 2643 Top 1.8% in $100M-$1B

Return on Assets

profitability

Value: 2.86%

Peer Median: 1.32%

#71 of 2643 Top 2.6% in $100M-$1B

291

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.57%

#291 of 2643 Top 11.0% in $100M-$1B

471

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#471 of 2633 Top 17.9% in $100M-$1B

Top Weaknesses (3 metrics)

2202

Nonperforming Asset Ratio

credit_quality

Value: 1.18%

Peer Median: 0.67%

#2202 of 2643 Bottom 16.7% in $100M-$1B

2064

Non-Interest-Bearing Deposit Share

funding

Value: 14.45%

Peer Median: 22.03%

#2064 of 2643 Bottom 21.9% in $100M-$1B

2060

Loan-to-Deposit Ratio

liquidity

Value: 92.06%

Peer Median: 77.95%

#2060 of 2643 Bottom 22.1% in $100M-$1B