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Security State Bank & Trust

$1B-$10B Specialty: Commercial TX FDIC cert 15809

Designations: ✓ Community bank

Fredericksburg, TX

22 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 +4.5% year over year ($1.8B on the books).
  • Delinquency rate 2.24%.
  • Return on assets 2.07%.
  • Efficiency ratio 55.49% vs a 59.73% peer average.
  • Loan-to-deposit ratio 85.41% 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 & Trust has 3 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

  • + Deposit Franchise: Top 35.0% in tier
  • + ROA 0.68% above tier average
  • + Efficiency Ratio 4.23% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.38% above tier average
  • - Nonperforming Asset Ratio 0.91% above tier average
Get updates when Security State Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.2B
+8.4% YoY +9.9% QoQ
-$616.6M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $1.5B
+10.8% YoY +4.4% QoQ
-$424.1M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $1.8B
+4.5% YoY +3.7% QoQ
-$516.9M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 2.07%
-6.0% YoY +7.1% QoQ
+0.68% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 10.1% in tier
Net Interest Margin ? 4.78%
+0.4% YoY -0.7% QoQ
+0.91% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 7.9% in tier
Efficiency Ratio ? 55.49%
+4.4% YoY -6.0% QoQ
-4.23% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 2.24%
-16.7% YoY -2.8% QoQ
+1.38% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 7.3% in tier
Loan-to-Deposit Ratio ? 85.41%
+6.0% YoY +0.8% QoQ
+0.38% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 33.74%
-1.3% YoY -4.5% QoQ
+12.47% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 9.9% in tier
Nonperforming Asset Ratio ? 1.59%
-17.2% YoY -7.6% QoQ
+0.91% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 9.3% in tier
Tier 1 Capital Ratio ? 12.58%
+6.8% YoY +2.0% QoQ
-2.26% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.28%
-11.5% YoY +92.9% QoQ
-0.25% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
48%

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 33.7%
-0.5pp YoY
-1.6pp QoQ
 +12.4pp 21.4% 29.2% 22.2% 90%
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 13.3%
-0.3pp YoY
+0.7pp QoQ
 -0.7pp 14.0% 14.8% 12.5% 61%
CRE 56.1%
+0.4pp YoY
0.0pp QoQ
 +6.1pp 50.0% 48.4% 41.4% 66%
1-4 Family 16.1%
-0.9pp YoY
-0.3pp QoQ
 -10.3pp 26.4% 25.8% 31.3% 34%
Consumer 2.5%
-0.2pp YoY
-0.2pp QoQ
 -2.3pp 4.7% 4.7% 5.0% 69%

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 12.6%
+0.8pp YoY
+0.2pp QoQ
 +1.3pp 11.3% 12.6% 12.6% 81%
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 312
-12 (-3.7%) YoY
+1 (+0.3%) QoQ
 -2 313 186 482 68%
Assets per Employee ($) $7.0M
+12.6% YoY
+9.5% QoQ
 -$3.5M $10.5M $10.1M $8.8M 23%
Branch Count 22
0 YoY
0 QoQ
 +2 20 12 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-1.5pp YoY
 -0.1pp 0.2% 0.3% 0.4% 63%
Nonaccrual 2.2%
+1.0pp YoY
-0.1pp QoQ
 +1.4pp 0.8% 1.0% 1.0% 94%
Allowance Coverage 0.48x
+27.2% YoY
+1.7% QoQ
 -18.23x 18.71x 18.82x 20.23x 6%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 18.7%
-3.1pp YoY
+1.5pp QoQ
 +6.1pp 12.6% 13.2% 11.6% 87%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 1.9% 1.6% 1.7% 10%
Net Income ($, YTD) $21.7M
-0.7% YoY
— QoQ
 +$2.5M $19.2M $15.9M $40.4M 72%

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)

Deposit Franchise

growth
#29 of 80 • Top 35.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.74%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.78%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

71
Net Interest Margin
profitability
Value: 4.78%
Peer Median: 3.87%
#71 of 885 Top 7.9% in $1B-$10B
89
Non-Interest-Bearing Deposit Share
funding
Value: 33.74%
Peer Median: 21.27%
#89 of 885 Top 9.9% in $1B-$10B
90
Return on Assets
profitability
Value: 2.07%
Peer Median: 1.39%
#90 of 885 Top 10.1% in $1B-$10B

Top Weaknesses (2 metrics)

819
Delinquency Rate
credit_quality
Value: 2.24%
Peer Median: 0.87%
#819 of 882 Bottom 7.3% in $1B-$10B
804
Nonperforming Asset Ratio
credit_quality
Value: 1.59%
Peer Median: 0.67%
#804 of 885 Bottom 9.3% in $1B-$10B
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