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The Security State Bank
Mcrae, GA · FDIC Certificate #19680 · Chartered 02/0
Total assets
$70.46M
Total deposits
$61.04M
Total equity
$9.18M
Net loans
$32.28M
Branches (offices)
1
Net income (YTD)
$666.00K
Rank: #3,901 of 4,213 U.S. banks by assets · #119 of 123 in Georgia. Assets changed 10.8% and deposits 11.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.92% |
| Return on equity | 14.54% |
| Net interest margin (YTD) | 5.49% |
| Equity to assets | 13.03% |
| Tier 1 leverage ratio | 14.11% |
| Uninsured deposits (share of deposits) | 18.2% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 52.9% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.10M | 84.0% | |
| Commercial & industrial | $4.03M | 12.5% | |
| Consumer / individual | $1.56M | 4.8% | |
| Construction & development | $461.00K | 1.4% | |
| Agricultural | $431.00K | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $56.93M | $49.95M | $252.00K | $6.81M |
| Jun 2023 | $56.49M | $49.13M | $607.00K | $7.18M |
| Jun 2024 | $58.52M | $50.58M | $599.00K | $7.71M |
| Jun 2025 | $63.59M | $54.87M | $661.00K | $8.49M |
| Jun 2026 | $70.46M | $61.04M | $666.00K | $9.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $61.04M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $61.04M.
Similar-sized banks
Battle Creek State Bank ($71.00M) · Genoa Community Bank ($70.45M)
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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