Headquartered in Crawford, Texas, Security Bank of Texas is a state-chartered bank with $175.9M in total assets and $152.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1940.
Security Bank of Texas has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 284th. Problem-loan coverage contributes the most (76/100, 11.8%); loan quality contributes the least (42/100, 1.75%).
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 fell 20 points (82 → 62), mostly because the loan quality component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 77 |
| Q4 2025 | 61 |
| Q1 2026 | 59 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.05% |
| Q3 2024 | 13.64% |
| Q4 2024 | 13.77% |
| Q1 2025 | 14.29% |
| Q2 2025 | 13.73% |
| Q3 2025 | 13.02% |
| Q4 2025 | 12.61% |
| Q1 2026 | 12.56% |
| Q2 2026 | 12.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.39% |
| Q4 2025 | 1.89% |
| Q1 2026 | 1.85% |
| Q2 2026 | 1.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.18% |
| Q1 2026 | 0.85% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $175.9M | 12.00% | 1.75% | 1.00% | 81.1% |
| Q1 2026 | 59 | $169.0M | 12.56% | 1.85% | 0.85% | 86.4% |
| Q4 2025 | 61 | $164.0M | 12.61% | 1.89% | 1.18% | 84.1% |
| Q3 2025 | 77 | $158.8M | 13.02% | 0.39% | 1.25% | 83.9% |
| Q2 2025 | 82 | $146.9M | 13.73% | 0.23% | 1.29% | 85.1% |
| Q1 2025 | 82 | $134.5M | 14.29% | 0.20% | 1.39% | 92.5% |
| Q4 2024 | 80 | $134.3M | 13.77% | 0.22% | 1.28% | 84.8% |
| Q3 2024 | 80 | $137.0M | 13.64% | 0.24% | 1.26% | 76.3% |
| Q2 2024 | 82 | $134.0M | 14.05% | 0.13% | 1.25% | 80.9% |
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 |
|---|---|---|---|---|---|
| Bank of South TexasBank Mcallen, TX | 86 out of 100, Very strong | $174.5M | 16.6% | 0.23% | vs |
| First State BankBank Paint Rock, TX | 78 out of 100, Strong | $174.3M | 14.1% | 1.90% | vs |
| Greater State BankBank Mcallen, TX | 75 out of 100, Strong | $180.2M | 11.1% | 0.05% | vs |
| Peoples State BankBank Shepherd, TX | 68 out of 100, Moderate | $181.2M | 10.7% | 1.25% | vs |
| First National Bank of Bosque CountyBank Valley Mills, TX | 82 out of 100, Strong | $182.3M | 12.8% | 0.72% | vs |
| First Security State BankBank Cranfills Gap, TX | 73 out of 100, Strong | $183.1M | 7.6% | 0.02% | vs |
Deposit insurance
Is my money safe at Security Bank of Texas?
Yes. Security Bank of Texas is an FDIC-insured institution (FDIC certificate #15731). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.1% of deposits ($35.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Security Bank of Texas lists 4 offices in 4 cities. Most locations:
- Austin, TX (1)
- Crawford, TX (1)
- Harker Heights, TX (1)
- Temple, TX (1)
HMDA 2025
Mortgage lending
In 2025, Security Bank of Texas reported 66 home-loan applications under HMDA (LEI 549300KZ4HZESXAO1M36): 43 originated ($10,045,000 total), 13 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Security Bank of Texas
- Former names
- Security Bank of Whitesboro; The First Bank; Security Bank of Crawford; Security National Bank of Whitesboro
- Type
- State-chartered bank
- FDIC certificate #
- 15731
- RSSD ID
- 435666
- Primary regulator
- FDIC
- Holding company
- Anchor Bancshares Inc
- Established
- March 30, 1940
- Headquarters
- 6688 N Lone Star Pkwy, Crawford, TX 76638
- Website
- www.secbank.net
- Employees
- 29
Quick answers
Security Bank of Texas: common questions
Is Security Bank of Texas FDIC insured?
Yes. Security Bank of Texas is an FDIC-insured institution (FDIC certificate #15731). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Security Bank of Texas's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Security Bank of Texas ever failed?
There is no failure record for FDIC certificate #15731 in the FDIC failed bank list.
How many branches does Security Bank of Texas have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Crawford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educators Credit UnionCredit union Waco, TX | 99 out of 100, Very strong | $609.5M | 20.3% | 0.17% | vs |
| Genco Federal Credit UnionCredit union Waco, TX | 96 out of 100, Very strong | $494.7M | 14.3% | 0.19% | vs |
| Matagorda County Credit UnionCredit union Bay City, TX | 94 out of 100, Very strong | $36.2M | 17.4% | 0.31% | vs |
| Acadiana Medical Federal Credit UnionCredit union Lafayette, LA | 92 out of 100, Very strong | $13.5M | 25.5% | 0.00% | vs |
| The First National Bank of MoodyBank Moody, TX | 92 out of 100, Very strong | $54.2M | 18.3% | 0.00% | vs |
| Pointwest BankBank West, TX | 90 out of 100, Very strong | $137.3M | 12.5% | 0.00% | vs |