BlastPoint's Banking Scorecard
Security State Bank
Designations: ✓ Community bank
Pearsall, TX
8 branches across TX
Security State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.18% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 49.3% in tier
- - NIB Deposit Bleed: Bottom 88.9% in tier
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+24.8% YoY
+19.2% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.9% in tier |
| Total Loans ? |
$551.1M
+2.6% YoY
-0.1% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.7% in tier |
| Total Deposits ? |
$1.0B
+25.9% YoY
+21.0% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.33%
+13.9% YoY
+5.7% QoQ
|
-0.03% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
3.01%
+5.4% YoY
-0.9% QoQ
|
-0.81% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
47.88%
-7.2% YoY
-4.8% QoQ
|
-13.18% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.90%
+323.5% YoY
+0.1% QoQ
|
+0.01% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
53.89%
-18.5% YoY
-17.4% QoQ
|
-30.31% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 5.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.42%
-11.8% YoY
-8.7% QoQ
|
-4.87% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.44%
+248.1% YoY
-16.1% QoQ
|
-0.24% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.76%
-1.2% YoY
-5.4% QoQ
|
-3.40% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.05%
-10.1% YoY
-78.3% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.0% in tier |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.