TellerScore

Security State Bank (FDIC certificate #12592) is based in Basin, Wyoming. Its Q2 2026 call report shows $449.1M in total assets and $380.1M in deposits and 5 offices.

Security State Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 24 banks headquartered in Wyoming, it ranks 16th. Problem-loan coverage contributes the most (97/100, 1.4%); earnings contributes the least (42/100, 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.44%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 67.7% · 17.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.37%

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 (71 → 71).

TellerScore
707172Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202471
Q1 202570
Q2 202571
Q3 202571
Q4 202571
Q1 202672
Q2 202671
Tier 1 leverage ratio
5.00%7.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.99%
Q3 202410.19%
Q4 20249.87%
Q1 20259.96%
Q2 202510.21%
Q3 202510.21%
Q4 202510.04%
Q1 202610.43%
Q2 202610.44%
Noncurrent loans
0.00%0.12%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.00%
Q4 20240.00%
Q1 20250.01%
Q2 20250.09%
Q3 20250.12%
Q4 20250.11%
Q1 20260.24%
Q2 20260.22%
Return on assets
0.20%0.38%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.39%
Q4 20240.34%
Q1 20250.20%
Q2 20250.30%
Q3 20250.40%
Q4 20250.45%
Q1 20260.53%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$449.1M10.44%0.22%0.56%67.7%
Q1 202672$430.8M10.43%0.24%0.53%60.3%
Q4 202571$444.0M10.04%0.11%0.45%57.1%
Q3 202571$446.5M10.21%0.12%0.40%58.5%
Q2 202571$431.3M10.21%0.09%0.30%58.9%
Q1 202570$441.6M9.96%0.01%0.20%54.7%
Q4 202471$433.2M9.87%0.00%0.34%56.2%
Q3 202472$443.1M10.19%0.00%0.39%58.9%
Q2 202472$438.1M9.99%0.03%0.46%55.4%

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 ratio10.44%
40th
Total risk-based capital17.37%
79th
Problem loans0.22%
63rd
Net charge-offs0.03%
36th
Return on assets0.56%
14th
Net interest margin3.19%
16th
Efficiency ratio78.2%
16th
Loans to deposits67.7%
73rd
Uninsured deposits17.2%
74th
Loan-loss reserves1.31%
64th
Texas ratio1.4%
65th

Similar-size banks in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Star ValleyBank Afton, WY85 out of 100, Very strong$420.0M10.8%0.09%vs
Big Horn Federal Savings BankBank Greybull, WY74 out of 100, Strong$399.8M11.3%0.70%vs
RSNB BankBank Rock Springs, WY59 out of 100, Moderate$381.0M11.8%2.37%vs
Jonah Bank of WyomingBank Casper, WY76 out of 100, Strong$562.8M9.6%0.00%vs
Rnb State BankBank Rawlins, WY65 out of 100, Moderate$296.2M8.6%0.09%vs
Sundance State BankBank Sundance, WY80 out of 100, Strong$290.9M11.9%0.56%vs

Deposit insurance

Is my money safe at Security State Bank?

Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #12592). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.2% of deposits ($65.5M) 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 10.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.37% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Security State Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Security State Bank
Former names
Security State Bank of Basin
Type
State-chartered bank (Fed member)
FDIC certificate #
12592
RSSD ID
955959
Primary regulator
FED
Holding company
Financial Security Corp
Established
June 1, 1929
Headquarters
201 S 4th St, Basin, WY 82410
Employees
70

Quick answers

Security State Bank: common questions

Is Security State Bank FDIC insured?

Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #12592). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security State Bank's TellerScore?

71 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 Security State Bank ever failed?

There is no failure record for FDIC certificate #12592 in the FDIC failed bank list.

How many branches does Security State Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Basin

InstitutionScoreAssetsCapitalProblem loansCompare
Pathfinder Federal Credit UnionCredit union Casper, WY76 out of 100, Strong$68.6M11.6%0.64%vs
Big Horn Federal Savings BankBank Greybull, WY74 out of 100, Strong$399.8M11.3%0.70%vs
Bank of Bridger, National AssociationBank Bridger, MT70 out of 100, Strong$802.7M10.1%0.47%vs