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First Security State Bank
Cranfills Gap, TX · FDIC Certificate #11932 · Chartered 01/0
Total assets
$183.06M
Total deposits
$172.88M
Total equity
$9.22M
Net loans
$72.53M
Branches (offices)
4
Net income (YTD)
$1.32M
Rank: #3,091 of 4,213 U.S. banks by assets · #261 of 346 in Texas. Assets changed -1.6% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.44% |
| Return on equity | 27.59% |
| Net interest margin (YTD) | 3.49% |
| Equity to assets | 5.03% |
| Tier 1 leverage ratio | 7.60% |
| Uninsured deposits (share of deposits) | 11.9% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 42.0% |
| Real estate loans (share of loans) | 85.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $61.86M | 85.3% | |
| Commercial & industrial | $2.80M | 3.9% | |
| Consumer / individual | $2.83M | 3.9% | |
| Construction & development | $901.00K | 1.2% | |
| Agricultural | $957.00K | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $162.86M | $158.57M | $741.00K | $3.77M |
| Jun 2023 | $166.47M | $153.10M | $737.00K | $2.82M |
| Jun 2024 | $168.80M | $155.65M | $680.00K | $4.51M |
| Jun 2025 | $186.02M | $162.22M | $831.00K | $7.08M |
| Jun 2026 | $183.06M | $172.88M | $1.32M | $9.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $172.88M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $172.88M.
Similar-sized banks
La Salle State Bank ($183.24M) · First Security Bank - Sleepy Eye ($182.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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