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Security State Bank & Trust
Fredericksburg, TX · FDIC Certificate #15809 · Chartered 04/0
Total assets
$2.18B
Total deposits
$1.80B
Total equity
$234.84M
Net loans
$1.54B
Branches (offices)
21
Net income (YTD)
$21.72M
Rank: #569 of 4,213 U.S. banks by assets · #53 of 346 in Texas. Assets changed 8.4% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.07% |
| Return on equity | 18.66% |
| Net interest margin (YTD) | 4.78% |
| Equity to assets | 10.79% |
| Tier 1 leverage ratio | 12.58% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 2.22% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.31B | 85.2% | |
| Commercial & industrial | $204.24M | 13.3% | |
| Consumer / individual | $37.74M | 2.5% | |
| Construction & development | $355.23M | 23.1% | |
| Agricultural | $1.96M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.75B | $1.57B | $14.79M | $146.55M |
| Jun 2023 | $1.81B | $1.61B | $19.01M | $161.84M |
| Jun 2024 | $1.88B | $1.68B | $18.26M | $177.48M |
| Jun 2025 | $2.01B | $1.72B | $21.87M | $204.93M |
| Jun 2026 | $2.18B | $1.80B | $21.72M | $234.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.80B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.80B.
Similar-sized banks
Thomasville National Bank ($2.18B) · Kennebunk Savings Bank ($2.17B)
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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