Headquartered in Cranfills Gap, Texas, First Security State Bank is a state-chartered bank with $183.1M in total assets and $172.9M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, First Security State Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 193rd. Its strongest component is funding & liquidity (100/100; 42% loans-to-deposits, 12% uninsured), and its lowest is capital cushion (26/100; 7.60%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (69 → 73), mostly because the earnings component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 70 |
| Q1 2025 | 69 |
| Q2 2025 | 69 |
| Q3 2025 | 68 |
| Q4 2025 | 66 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.87% |
| Q3 2024 | 7.66% |
| Q4 2024 | 7.53% |
| Q1 2025 | 7.51% |
| Q2 2025 | 7.40% |
| Q3 2025 | 7.28% |
| Q4 2025 | 7.45% |
| Q1 2026 | 7.63% |
| Q2 2026 | 7.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 1.02% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.99% |
| Q2 2025 | 0.94% |
| Q3 2025 | 1.01% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $183.1M | 7.60% | 0.02% | 1.44% | 42.0% |
| Q1 2026 | 73 | $179.9M | 7.63% | 0.02% | 1.40% | 41.9% |
| Q4 2025 | 66 | $183.9M | 7.45% | 0.46% | 1.08% | 43.5% |
| Q3 2025 | 68 | $188.6M | 7.28% | 0.11% | 1.01% | 42.6% |
| Q2 2025 | 69 | $186.0M | 7.40% | 0.00% | 0.94% | 43.0% |
| Q1 2025 | 69 | $171.7M | 7.51% | 0.10% | 0.99% | 43.2% |
| Q4 2024 | 70 | $170.7M | 7.53% | 0.01% | 1.05% | 45.3% |
| Q3 2024 | 70 | $168.5M | 7.66% | 0.01% | 1.02% | 47.7% |
| Q2 2024 | 69 | $168.8M | 7.87% | 0.01% | 0.81% | 47.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of Bosque CountyBank Valley Mills, TX | 82 out of 100, Strong | $182.3M | 12.8% | 0.72% | vs |
| First State BankBank Spearman, TX | 53 out of 100, Below average | $184.0M | 12.6% | 4.44% | vs |
| Peoples State BankBank Shepherd, TX | 68 out of 100, Moderate | $181.2M | 10.7% | 1.25% | vs |
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
| Peoples BankBank Paris, TX | 76 out of 100, Strong | $185.4M | 9.6% | 0.25% | vs |
| Greater State BankBank Mcallen, TX | 75 out of 100, Strong | $180.2M | 11.1% | 0.05% | vs |
Deposit insurance
Is my money safe at First Security State Bank?
Yes. First Security State Bank is an FDIC-insured institution (FDIC certificate #11932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.9% of deposits ($20.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.60%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.97% (benchmark: 10%).
4 locations
Branches
First Security State Bank lists 4 offices in 4 cities. Most locations:
- Clifton, TX (1)
- Cranfills Gap, TX (1)
- Meridian, TX (1)
- Whitney, TX (1)
Identity & history
Profile
- Legal name
- First Security State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11932
- RSSD ID
- 819154
- Primary regulator
- FDIC
- Holding company
- Bosque Bancshares Inc
- Established
- January 1, 1910
- Headquarters
- 307 N 3rd St, Cranfills Gap, TX 76637
- Website
- www.fssbtexas.com
- Employees
- 27
Quick answers
First Security State Bank: common questions
Is First Security State Bank FDIC insured?
Yes. First Security State Bank is an FDIC-insured institution (FDIC certificate #11932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Security State Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Security State Bank ever failed?
There is no failure record for FDIC certificate #11932 in the FDIC failed bank list.
How many branches does First Security State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cranfills Gap
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of Bosque CountyBank Valley Mills, TX | 82 out of 100, Strong | $182.3M | 12.8% | 0.72% | vs |
| The First National Bank of EvantBank Evant, TX | 78 out of 100, Strong | $199.4M | 9.8% | 0.38% | vs |
| Extraco Banks, National AssociationBank Temple, TX | 70 out of 100, Strong | $2.6B | 8.7% | 0.04% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| Security Bank of TexasBank Crawford, TX | 62 out of 100, Moderate | $175.9M | 12.0% | 1.75% | vs |
| The Huntington National BankBank Columbus, OH | 59 out of 100, Moderate | $283.1B | 9.3% | 1.06% | vs |