BlastPoint's Banking Scorecard
Security State Bank & Trust
Designations: ✓ Community bank
Fredericksburg, TX
22 branches across TX
Security State Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 22.1% in tier
- + ROA 0.57% above tier average
- + Efficiency Ratio 2.05% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.42% above tier average
- - Nonperforming Asset Ratio 1.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+1.9% YoY
-7.6% QoQ
|
-$834.6M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$1.5B
+7.4% YoY
+0.4% QoQ
|
-$491.2M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$1.7B
+1.1% YoY
-3.4% QoQ
|
-$604.9M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.93%
-2.8% YoY
-11.3% QoQ
|
+0.57% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 11.9% in tier |
| Net Interest Margin ? |
4.82%
+3.3% YoY
+0.6% QoQ
|
+1.00% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 7.2% in tier |
| Efficiency Ratio ? |
59.01%
+5.3% YoY
+9.1% QoQ
|
-2.05% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
2.31%
+87.2% YoY
-8.9% QoQ
|
+1.42% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.7% in tier |
| Loan-to-Deposit Ratio ? |
84.77%
+6.3% YoY
+3.9% QoQ
|
+0.56% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
35.33%
+1.2% YoY
+6.9% QoQ
|
+14.04% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.5% in tier |
| Nonperforming Asset Ratio ? |
1.72%
+96.9% YoY
-1.0% QoQ
|
+1.04% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.5% in tier |
| Tier 1 Capital Ratio ? |
12.34%
+6.9% YoY
+1.6% QoQ
|
-2.82% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.15%
-15.4% YoY
-75.6% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.