TellerScore

Security State Bank (FDIC certificate #11907) is based in Farwell, Texas. Its Q2 2026 call report shows $338.0M in total assets and $288.3M in deposits and 1 office.

Based on its Q2 2026 filing, Security State Bank scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 28th. Its strongest component is earnings (100/100; 2.86%), and its lowest is funding & liquidity (43/100; 92% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Tier 1 leverage ratio: 14.61%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings100/100
Return on assets (annualized): 2.86%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 92.1% · 37.7% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.76%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 88).

TellerScore
597590Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202469
Q4 202467
Q1 202569
Q2 202589
Q3 202590
Q4 202586
Q1 202688
Q2 202688
Tier 1 leverage ratio
5.00%9.81%14.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.27%
Q3 202414.43%
Q4 202413.08%
Q1 202513.72%
Q2 202513.71%
Q3 202514.01%
Q4 202513.19%
Q1 202614.04%
Q2 202614.61%
Noncurrent loans
0.03%1.46%2.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.90%
Q3 20242.65%
Q4 20242.28%
Q1 20252.20%
Q2 20250.10%
Q3 20250.03%
Q4 20250.03%
Q1 20260.03%
Q2 20260.03%
Return on assets
2.07%2.85%3.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.58%
Q3 20242.61%
Q4 20242.07%
Q1 20253.58%
Q2 20252.90%
Q3 20252.77%
Q4 20252.14%
Q1 20263.62%
Q2 20262.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$338.0M14.61%0.03%2.86%92.1%
Q1 202688$336.0M14.04%0.03%3.62%92.5%
Q4 202586$344.0M13.19%0.03%2.14%87.5%
Q3 202590$331.1M14.01%0.03%2.77%82.2%
Q2 202589$322.3M13.71%0.10%2.90%82.5%
Q1 202569$314.6M13.72%2.20%3.58%83.5%
Q4 202467$310.8M13.08%2.28%2.07%80.3%
Q3 202469$293.6M14.43%2.65%2.61%74.3%
Q2 202459$272.6M13.27%2.90%2.58%72.8%

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).

Capital ratio14.61%
85th
Total risk-based capital0.00%
24th
Problem loans0.03%
82nd
Net charge-offs0.00%
68th
Return on assets2.86%
97th
Net interest margin4.21%
65th
Efficiency ratio35.1%
98th
Loans to deposits92.1%
22nd
Uninsured deposits37.7%
13th
Loan-loss reserves1.04%
31st
Texas ratio7.8%
24th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Integrity Bank SSBBank Houston, TX78 out of 100, Strong$339.6M14.5%0.00%vs
The National Bank of AndrewsBank Andrews, TX49 out of 100, Below average$340.5M10.1%3.05%vs
Global One BankBank Houston, TX84 out of 100, Strong$333.2M14.5%0.27%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Texana Bank, National AssociationBank Linden, TX53 out of 100, Below average$330.6M9.1%1.36%vs
Commercial National Bank of TexarkanaBank Texarkana, TX58 out of 100, Moderate$330.1M10.0%1.99%vs

Deposit insurance

Is my money safe at Security State Bank?

Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #11907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.7% of deposits ($108.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.61%, 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%).

Check how much of your own balance is covered

1 location

Branches

Security State Bank lists 1 office in 1 city. Most locations:

  • Farwell, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Security State Bank
Former names
Security State Bank of Farwell
Type
State-chartered bank
FDIC certificate #
11907
RSSD ID
389358
Primary regulator
FDIC
Established
January 1, 1925
Headquarters
100 5th St, Farwell, TX 79325
Employees
19

Quick answers

Security State Bank: common questions

Is Security State Bank FDIC insured?

Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #11907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security State Bank's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Security State Bank ever failed?

There is no failure record for FDIC certificate #11907 in the FDIC failed bank list.

How many branches does Security State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Farwell

InstitutionScoreAssetsCapitalProblem loansCompare
Cannon Federal Credit UnionCredit union Clovis, NM87 out of 100, Very strong$101.7M13.7%0.06%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
American Heritage BankBank Clovis, NM83 out of 100, Strong$153.2M11.1%0.22%vs
The Citizens Bank of ClovisBank Clovis, NM80 out of 100, Strong$493.1M12.2%0.04%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
The Bank of ClovisBank Clovis, NM76 out of 100, Strong$438.4M10.8%0.25%vs