FDIC Cert #15460 · Spur, Texas · Est. 1933

Spur Security Bank - FDIC Bank Health Profile

A community-scale look at Spur Security Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$135M
Total assets
B
Health grade · Good
0.46%
Return on assets
15.9%
Tier 1 capital

Data updated July 2026

The verdict

Spur Security Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 15.88% Tier 1, 0.46% ROA, 81% efficiency ratio.

#3,481
largest of 4,313 FDIC banks by assets
19th
percentile by asset size, nationally
15.88%
Tier 1 ratio - above the 10% well-capitalized line
14th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 15460 · TX B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3262/4307
  • PHOTO-FINISH First Bank of Coasta… · GA
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-THIN 0.46% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: First Bank of Coastal Georgia, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Spur Security Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank of Coasta… · GA ·…67/100Genesis Bank · MS · near67/100Spur Security Bank · TX · th…67/100The Claxton Bank · GA · near67/100The Union Banking Co… · OH ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Spur Security Bank · July 2026

Call Report read for Spur Security Bank in a high-failure state

Spur Security Bank (FDIC Cert #15460) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,262 of 4,307. Tier 1 capital prints at 15.88%, clearing the 10% well-capitalized line. The Texas Ratio is 1.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.46%. Balance-sheet scale is $135M, 3,481st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Bank of Coastal Georgia (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Spur Security Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Spur Security Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Spur Security Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Spur Security Bank's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Spur Security Bank's composite health score
Tier 1 Capital Ratio (15.88%) 40/40
Return on Assets (ROA) (0.46%) 7/25
Texas Ratio (1.46%) 20/20
Efficiency Ratio (81.28%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$135M

Total balance-sheet footings

Total Deposits

$125M

Customer-funded liabilities

Net Loans

$83M

Outstanding loan book

Net Income

$545K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.48% 15.88% 17.28%
Basel III capital ratios - Spur Security Bank

Where Spur Security Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Spur Security Bank's score of 67/100 falls in the highlighted band.

Spur Security Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Spur Security Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Spur Security Bank'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). Spur Security Bank's $135M falls in the highlighted band.

Capital & credit buffers at Spur Security Bank

Tier 1 capital ratio
Well-capitalized 10%

15.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.88%
Texas Ratio
1.46%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: Spur Security Bank

Return on Assets (ROA)
14th percentile nationally
0.46%
Return on Equity (ROE)
7.07%
Efficiency Ratio
81.28%

What these mean →

Income & expense at Spur Security Bank

$7M
Interest Income
$388K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Spur Security Bank reports a Texas Ratio of 1.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Spur Security Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($135M here), outside Texas so the neighborhood is not state containment.

Bank of Oak Ridge $135M · LA ClearPoint Federal Bank & Trust $135M · IN Federated Bank $135M · IL Pickens Savings and Loan Association,… $135M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Spur Security Bank (FDIC Cert #15460) - 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.

Spur Security Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
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%