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First Security State Bank

$100M-$1B Specialty: Mortgage TX FDIC cert 11932

Cranfills Gap, TX

4 branches across 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 +6.6% year over year ($172.9M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.44%.
  • Efficiency ratio 64.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 41.96% 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) →

First Security State Bank has 2 strengths but faces 5 concerns

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

  • + Credit Quality Leader: Top 16.8% in tier
  • + ROA 0.12% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.3% in tier
  • - Credit Risk Growth: Bottom 7.5% in tier
  • - Flatlined Growth: Bottom 45.2% in tier
  • - Net Interest Margin 0.50% below tier average
  • - Efficiency Ratio 0.27% above tier average
Get updates when First 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 ? $183.1M
-1.6% YoY +1.8% QoQ
-$203.5M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $72.5M
+4.0% YoY +2.1% QoQ
-$185.8M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 7.8% in tier
Total Deposits ? $172.9M
+6.6% YoY +2.0% QoQ
-$153.9M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 1.44%
+53.0% YoY +2.9% QoQ
+0.12% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.49%
+9.0% YoY +1.7% QoQ
-0.50% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 64.75%
-13.3% YoY -0.9% QoQ
+0.27% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.02%
+252.4% YoY -2.0% QoQ
-0.90% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
85%
Loan-to-Deposit Ratio ? 41.96%
-2.4% YoY +0.0% QoQ
-36.00% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 4.8% in tier
Non-Interest-Bearing Deposit Share ? 26.98%
-3.7% YoY -0.7% QoQ
+4.95% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.01%
+272.6% YoY -1.7% QoQ
-0.66% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 12.8% in tier
Tier 1 Capital Ratio ? 19.90%
+6.0% YoY +1.5% QoQ
+3.99% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 14.2% in tier
Non-Interest Income / Assets ? 0.39%
+17.2% YoY +91.2% QoQ
-0.17% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
85%

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 27.0%
-1.0pp YoY
-0.2pp QoQ
 +4.8pp 22.1% 29.2% 22.2% 73%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 3.9%
-0.7pp YoY
-0.4pp QoQ
 -7.7pp 11.6% 14.8% 12.5% 14%
CRE 14.5%
+0.7pp YoY
+1.3pp QoQ
 -25.0pp 39.5% 48.4% 41.4% 10%
1-4 Family 65.9%
+2.7pp YoY
+0.1pp QoQ
 +33.3pp 32.6% 25.8% 31.3% 93%
Consumer 3.9%
-0.2pp YoY
-0.3pp QoQ
 -0.2pp 4.1% 4.7% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 19.9%
+1.1pp YoY
+0.3pp QoQ
 +1.1pp 18.8% 22.7% 19.7% 77%
Leverage Ratio 7.6%
+0.2pp YoY
0.0pp QoQ
 -4.6pp 12.2% 12.6% 12.6% 1%
Total Capital Ratio 21.0%
+1.1pp YoY
+0.3pp QoQ
 +1.0pp 19.9% 23.8% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 27
-4 (-12.9%) YoY
-2 (-6.9%) QoQ
 -32 58 186 482 22%
Assets per Employee ($) $6.8M
+13.0% YoY
+9.3% QoQ
 -$738K $7.5M $10.1M $8.8M 48%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 8%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 4%
Allowance Coverage 68.18x
-72.8% YoY
-0.9% QoQ
 +44.03x 24.15x 18.82x 20.23x 95%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 27.6%
+1.3pp YoY
+1.3pp QoQ
 +15.4pp 12.2% 13.2% 11.6% 98%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 11%
Net Income ($, YTD) $1.3M
+58.4% YoY
— QoQ
 -$1.2M $2.6M $15.9M $40.4M 36%

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)

Credit Quality Leader

growth
#112 of 659 • Top 16.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#30 of 1256 • Bottom 2.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#71 of 936 • Bottom 7.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Flatlined Growth

risk
#240 of 529 • Bottom 45.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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

Top Strengths (5 metrics)

127
Loan-to-Deposit Ratio
liquidity
Value: 41.96%
Peer Median: 77.95%
#127 of 2643 Top 4.8% in $100M-$1B
340
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#340 of 2643 Top 12.8% in $100M-$1B
375
Tier 1 Capital Ratio
capital
Value: 19.90%
Peer Median: 15.91%
#375 of 2643 Top 14.2% in $100M-$1B
401
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#401 of 2633 Top 15.2% in $100M-$1B
405
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#405 of 2643 Top 15.3% in $100M-$1B

Top Weaknesses (2 metrics)

2438
Total Loans
size
Value: $72.53M
Peer Median: $258.35M
#2438 of 2643 Bottom 7.8% in $100M-$1B
2056
Total Assets
size
Value: $183.06M
Peer Median: $386.57M
#2056 of 2643 Bottom 22.2% in $100M-$1B
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