Total Assets
$2.1B
Total balance-sheet footings
FDIC Cert #15809 · Fredericksburg, Texas · Est. 1941
Security State Bank & Trust - FDIC Bank Health Profile
A community-scale look at Security State Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.1B
- Total assets
- A
- Health grade · Excellent
- 2.18%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
Security State Bank & Trust earns a PlainBankData health grade of A (82/100), with well-capitalized at 12.14% Tier 1, profitable at 2.18% ROA, efficient (54% cost ratio).
- #566
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 12.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 93rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Security State Bank & Trust's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Security State Bank & Trust's composite health score
Tier 1 Capital Ratio (12.14%) 35/40
Return on Assets (ROA) (2.18%) 25/25
Texas Ratio (15.23%) 10/20
Efficiency Ratio (54.08%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.5B
Outstanding loan book
Net Income
$44M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Security State Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security State Bank & Trust's score of 82/100 falls in the highlighted band.
Security State Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Security State Bank & Trust's $2.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.14%
Texas Ratio
15.23%
Equity Capital
$229M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.18%
Return on Equity (ROE)
20.92%
Efficiency Ratio
54.08%
What the numbers say about Security State Bank & Trust
Security State Bank & Trust is an FDIC-insured institution (Certificate #15809) headquartered in Fredericksburg, Texas, established in 1941. It holds $2.1B in total assets - 566th of 4,313 FDIC-insured banks, $1.8B in customer deposits, and $1.5B in net loans. Looking at capital strength, Tier 1 stands at 12.14%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 15.23%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, Security State Bank & Trust ranks 53rd of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$117M
Interest Income
$13M
Non-Interest Income
$56M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Security State Bank & Trust reports a Texas Ratio of 15.23% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security State Bank & Trust (FDIC Cert #15809) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Security State Bank & Trust's health grade?▼
Security State Bank & Trust receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Security State Bank & Trust?▼
Security State Bank & Trust holds $2.1B in total assets and $1.8B in deposits, ranking 566th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fredericksburg, Texas.
Is my money safe at Security State Bank & Trust?▼
Yes, deposits at Security State Bank & Trust (Certificate #15809) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Security State Bank & Trust's Tier 1 Capital Ratio?▼
Security State Bank & Trust has a Tier 1 Capital Ratio of 12.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Security State Bank & Trust?▼
Security State Bank & Trust has a Texas Ratio of 15.23%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Security State Bank & Trust?▼
Security State Bank & Trust has an Efficiency Ratio of 54.08%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Security State Bank & Trust's profile as a depositor or analyst.
- Security State Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Security State Bank & Trust against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.