BlastPoint's Banking Scorecard

Security State Bank

$1B-$10B Specialty: Commercial TX FDIC cert 1497

Designations: ✓ Community bank

Pearsall, TX

8 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +27.8% year over year ($1.0B on the books).
Delinquency rate 0.00%.
Return on assets 1.37%.
Efficiency ratio 46.08% vs a 59.73% peer average.
Loan-to-deposit ratio 54.69% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Security State Bank has 2 strengths but faces 2 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

+ Delinquency Rate 0.86% below tier average
+ Efficiency Ratio 13.65% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 10.9% in tier
- Net Interest Margin 0.84% below tier average

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 ?	$1.1B +26.4% YoY +0.6% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 12.9% in tier
Total Loans ?	$562.2M +3.2% YoY +2.0% QoQ	-$1.4B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 3.6% in tier
Total Deposits ?	$1.0B +27.8% YoY +0.5% QoQ	-$1.3B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	18%
Return on Assets ?	1.37% +8.1% YoY +2.7% QoQ	-0.02%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	61%
Net Interest Margin ?	3.03% +2.1% YoY +0.6% QoQ	-0.84%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	15%
Efficiency Ratio ?	46.08% -7.8% YoY -3.8% QoQ	-13.65%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 13.9% in tier
Delinquency Rate ?	0.00% -98.1% YoY -99.8% QoQ	-0.86%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 2.8% in tier
Loan-to-Deposit Ratio ?	54.69% -19.3% YoY +1.5% QoQ	-30.34%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 5.1% in tier
Non-Interest-Bearing Deposit Share ?	13.30% -30.8% YoY -19.0% QoQ	-7.97%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.43% +846.8% YoY -0.5% QoQ	-0.24%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	48%
Tier 1 Capital Ratio ?	10.74% -14.1% YoY -8.7% QoQ	-4.10%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 13.9% in tier
Non-Interest Income / Assets ?	0.11% -13.5% YoY +107.9% QoQ	-0.42%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 11.4% 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	13.3% -5.9pp YoY -3.1pp QoQ	-8.1pp	21.4%	29.2%	22.2%	20%
Brokered Deposits	n/a	n/a	9.5%	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	5.4% +0.3pp YoY -0.1pp QoQ	-8.6pp	14.0%	14.8%	12.5%	20%
CRE	69.6% +1.5pp YoY -0.2pp QoQ	+19.6pp	50.0%	48.4%	41.4%	87%
1-4 Family	4.4% +0.4pp YoY +0.1pp QoQ	-22.0pp	26.4%	25.8%	31.3%	6%
Consumer	1.1% -0.4pp YoY -0.1pp QoQ	-3.6pp	4.7%	4.7%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	10.7% -1.8pp YoY -1.0pp QoQ	-0.6pp	11.3%	12.6%	12.6%	55%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	80 +1 (+1.3%) YoY 0 QoQ	-234	313	186	482	3%
Assets per Employee ($)	$14.2M +24.8% YoY +0.6% QoQ	+$3.8M	$10.5M	$10.1M	$8.8M	87%
Branch Count	8 +1 (+14.3%) YoY +1 (+14.3%) QoQ	-12	20	12	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.2pp	0.2%	0.3%	0.4%	12%
Nonaccrual	n/a	n/a	0.8%	1.0%	1.0%	n/a
Allowance Coverage	633.38x +5449.6% YoY +62565.9% QoQ	+614.66x	18.71x	18.82x	20.23x	100%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.9% +1.3pp YoY +0.6pp QoQ	+1.3pp	12.6%	13.2%	11.6%	66%
Cost of Funds (YTD)	2.0% -0.1pp YoY +0.1pp QoQ	+0.1pp	1.9%	1.6%	1.7%	59%
Net Income ($, YTD)	$7.3M +27.3% YoY — QoQ	-$11.9M	$19.2M	$15.9M	$40.4M	26%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#6 of 46 • Bottom 10.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.30%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.87%

#26 of 882 Top 2.8% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 54.69%

Peer Median: 85.04%

#46 of 885 Top 5.1% in $1B-$10B

124

Efficiency Ratio

profitability

Value: 46.08%

Peer Median: 59.73%

#124 of 885 Top 13.9% in $1B-$10B

Top Weaknesses (7 metrics)

854

Total Loans

size

Value: $562.21M

Peer Median: $1.96B

#854 of 885 Bottom 3.6% in $1B-$10B

785

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.53%

#785 of 885 Bottom 11.4% in $1B-$10B

772

Total Assets

size

Value: $1.14B

Peer Median: $2.79B

#772 of 885 Bottom 12.9% in $1B-$10B

763

Tier 1 Capital Ratio

capital

Value: 10.74%

Peer Median: 14.84%

#763 of 885 Bottom 13.9% in $1B-$10B

749

Net Interest Margin

profitability

Value: 3.03%

Peer Median: 3.87%

#749 of 885 Bottom 15.5% in $1B-$10B

729

Total Deposits

size

Value: $1.03B

Peer Median: $2.32B

#729 of 885 Bottom 17.7% in $1B-$10B

702

Non-Interest-Bearing Deposit Share

funding

Value: 13.30%

Peer Median: 21.27%

#702 of 885 Bottom 20.8% in $1B-$10B