Security State Bank is a state-chartered bank headquartered in Pearsall, Texas, in business for about 101 years. At the end of Q2 2026 it reported $1.1B in total assets and $1.0B in deposits, with 8 offices.
Security State Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 173rd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (50/100, 55% loans-to-deposits, 63% uninsured).
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 4 points (78 → 74), mostly because the capital cushion component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 69 |
| Q4 2024 | 67 |
| Q1 2025 | 75 |
| Q2 2025 | 78 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 69 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.75% |
| Q3 2024 | 12.21% |
| Q4 2024 | 11.66% |
| Q1 2025 | 11.91% |
| Q2 2025 | 12.50% |
| Q3 2025 | 12.77% |
| Q4 2025 | 12.43% |
| Q1 2026 | 11.76% |
| Q2 2026 | 10.74% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.91% |
| Q1 2025 | 1.17% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $1.1B | 10.74% | 0.00% | 1.37% | 54.7% |
| Q1 2026 | 69 | $1.1B | 11.76% | 0.89% | 1.33% | 53.9% |
| Q4 2025 | 70 | $949.1M | 12.43% | 0.89% | 1.26% | 65.3% |
| Q3 2025 | 70 | $894.6M | 12.77% | 0.91% | 1.26% | 69.7% |
| Q2 2025 | 78 | $901.1M | 12.50% | 0.08% | 1.27% | 67.8% |
| Q1 2025 | 75 | $906.5M | 11.91% | 0.21% | 1.17% | 66.1% |
| Q4 2024 | 67 | $925.5M | 11.66% | 0.66% | 0.91% | 64.5% |
| Q3 2024 | 69 | $871.8M | 12.21% | 0.67% | 0.84% | 68.1% |
| Q2 2024 | 74 | $881.4M | 11.75% | 0.00% | 0.84% | 64.2% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| PointbankBank Pilot Point, TX | 53 out of 100, Below average | $1.2B | 9.0% | 1.77% | vs |
| T Bank, National AssociationBank Dallas, TX | 45 out of 100, Below average | $1.1B | 10.7% | 2.89% | vs |
| The First National Bank of BastropBank Bastrop, TX | 77 out of 100, Strong | $1.2B | 11.6% | 0.33% | vs |
| First Command BankBank Fort Worth, TX | 82 out of 100, Strong | $1.1B | 10.2% | 0.42% | vs |
| Frontier Bank of TexasBank Elgin, TX | 75 out of 100, Strong | $1.1B | 10.0% | 0.15% | vs |
| The First National Bank of McGregorBank Mc Gregor, TX | 42 out of 100, Below average | $1.1B | 9.5% | 2.72% | vs |
Deposit insurance
Is my money safe at Security State Bank?
Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #1497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 63.4% of deposits ($651.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.74%, 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%).
8 locations
Branches
Security State Bank lists 8 offices in 6 cities. Most locations:
- Devine, TX (2)
- Pearsall, TX (2)
- Castroville, TX (1)
- Hondo, TX (1)
- Natalia, TX (1)
- Pleasanton, TX (1)
Identity & history
Profile
- Legal name
- Security State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1497
- RSSD ID
- 839068
- Primary regulator
- FDIC
- Holding company
- Briscoe Ranch Inc
- Established
- January 1, 1925
- Headquarters
- 1000 N Oak St, Pearsall, TX 78061
- Website
- www.securitystbk.com
- Employees
- 80
Quick answers
Security State Bank: common questions
Is Security State Bank FDIC insured?
Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #1497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Security State Bank's TellerScore?
74 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 #1497 in the FDIC failed bank list.
How many branches does Security State Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pearsall
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Commercial Bank, National AssociationBank Seguin, TX | 73 out of 100, Strong | $565.9M | 10.3% | 0.45% | vs |
| Frio County Federal Credit UnionCredit union Pearsall, TX | 67 out of 100, Moderate | $5.3M | 37.4% | 0.63% | vs |
| Texas Champion BankBank Corpus Christi, TX | 64 out of 100, Moderate | $436.6M | 10.5% | 0.39% | vs |
| The First State BankBank Louise, TX | 61 out of 100, Moderate | $895.2M | 10.6% | 2.16% | vs |
| American Momentum BankBank College Station, TX | 57 out of 100, Moderate | $2.8B | 19.2% | 3.52% | vs |