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Security State Bank
Pearsall, TX · FDIC Certificate #1497 · Chartered 01/0
Total assets
$1.14B
Total deposits
$1.03B
Total equity
$108.22M
Net loans
$562.21M
Branches (offices)
8
Net income (YTD)
$7.35M
Rank: #931 of 4,213 U.S. banks by assets · #82 of 346 in Texas. Assets changed 26.4% and deposits 27.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 13.93% |
| Net interest margin (YTD) | 3.03% |
| Equity to assets | 9.50% |
| Tier 1 leverage ratio | 10.74% |
| Uninsured deposits (share of deposits) | 63.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 54.7% |
| Real estate loans (share of loans) | 90.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $511.19M | 90.9% | |
| Commercial & industrial | $30.52M | 5.4% | |
| Consumer / individual | $6.19M | 1.1% | |
| Construction & development | $98.34M | 17.5% | |
| Agricultural | $18.47M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $790.90M | $714.68M | $4.56M | $75.01M |
| Jun 2023 | $806.35M | $727.84M | $3.99M | $76.70M |
| Jun 2024 | $881.39M | $793.75M | $3.70M | $85.52M |
| Jun 2025 | $901.15M | $804.08M | $5.77M | $94.82M |
| Jun 2026 | $1.14B | $1.03B | $7.35M | $108.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.03B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.03B.
Similar-sized banks
First National Bank ($1.14B) · The Citizens Bank ($1.14B)
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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