BlastPoint's Banking Scorecard
Security Bank of Texas
Crawford, TX
4 branches across TX
Security Bank of Texas has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.39% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 32.1% in tier
- - Cost Spiral: Bottom 93.7% in tier
- - Nonperforming Asset Ratio 1.04% above tier average
- - Delinquency Rate 0.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.0M
+25.7% YoY
+3.0% QoQ
|
-$217.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$126.6M
+20.2% YoY
+6.0% QoQ
|
-$129.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$146.5M
+28.7% YoY
+3.2% QoQ
|
-$181.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.85%
-38.7% YoY
-28.1% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
5.32%
-8.0% YoY
-5.0% QoQ
|
+1.39% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 4.1% in tier |
| Efficiency Ratio ? |
74.59%
+11.9% YoY
+6.6% QoQ
|
+9.31% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
1.88%
+819.1% YoY
-2.1% QoQ
|
+0.99% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.8% in tier |
| Loan-to-Deposit Ratio ? |
86.41%
-6.6% YoY
+2.7% QoQ
|
+9.77% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
19.58%
+2.0% YoY
-6.7% QoQ
|
-2.44% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.68%
+460.8% YoY
+14.8% QoQ
|
+1.04% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.5% in tier |
| Tier 1 Capital Ratio ? |
12.56%
-12.1% YoY
-0.4% QoQ
|
-3.27% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.05%
-43.1% YoY
-80.6% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
18% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.