TellerScore

Headquartered in Fredericksburg, Texas, Security State Bank & Trust is a state-chartered bank with $2.2B in total assets and $1.8B in deposits as of Q2 2026. It operates 22 offices. Its charter dates back to 1941.

Security State Bank & Trust has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 258th. Earnings contributes the most (100/100, 2.07%); loan quality contributes the least (26/100, 2.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.58%
Loan quality26/100
Noncurrent loans ÷ total loans: 2.22%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 85.4% · 25.7% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.73%

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 7 points (59 → 66), mostly because the loan quality component improved by 15 points.

TellerScore
596979Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202479
Q1 202571
Q2 202559
Q3 202563
Q4 202562
Q1 202664
Q2 202666
Tier 1 leverage ratio
5.00%8.79%12.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.86%
Q3 202411.15%
Q4 202411.71%
Q1 202511.54%
Q2 202511.78%
Q3 202511.90%
Q4 202512.14%
Q1 202612.34%
Q2 202612.58%
Noncurrent loans
0.45%1.56%2.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.45%
Q3 20240.52%
Q4 20240.56%
Q1 20251.22%
Q2 20252.66%
Q3 20252.38%
Q4 20252.51%
Q1 20262.28%
Q2 20262.22%
Return on assets
1.93%2.09%2.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.96%
Q3 20241.99%
Q4 20241.98%
Q1 20251.99%
Q2 20252.20%
Q3 20252.25%
Q4 20252.18%
Q1 20261.93%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$2.2B12.58%2.22%2.07%85.4%
Q1 202664$2.0B12.34%2.28%1.93%84.8%
Q4 202562$2.1B12.14%2.51%2.18%81.6%
Q3 202563$2.0B11.90%2.38%2.25%80.2%
Q2 202559$2.0B11.78%2.66%2.20%80.5%
Q1 202571$1.9B11.54%1.22%1.99%79.8%
Q4 202479$2.0B11.71%0.56%1.98%76.9%
Q3 202478$1.9B11.15%0.52%1.99%81.7%
Q2 202477$1.9B10.86%0.45%1.96%81.8%

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).

Capital ratio12.58%
81st
Total risk-based capital0.00%
13th
Problem loans2.22%
7th
Net charge-offs0.04%
48th
Return on assets2.07%
90th
Net interest margin4.78%
92nd
Efficiency ratio55.5%
61st
Loans to deposits85.4%
54th
Uninsured deposits25.7%
69th
Loan-loss reserves1.07%
40th
Texas ratio13.7%
9th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National Bank of TexasBank Waxahachie, TX70 out of 100, Strong$2.2B12.2%1.42%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Golden Bank, National AssociationBank Houston, TX66 out of 100, Moderate$2.3B13.7%2.16%vs
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs

Deposit insurance

Is my money safe at Security State Bank & Trust?

Yes. Security State Bank & Trust is an FDIC-insured institution (FDIC certificate #15809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.7% of deposits ($462.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.58%, 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

22 locations

Branches

Security State Bank & Trust lists 18 offices in 18 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Security State Bank & Trust reported 376 home-loan applications under HMDA (LEI 549300KLIO6FT2J64B78): 251 originated ($137,235,000 total), 21 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, 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 State Bank & Trust
Former names
Security State Bank; Security State Bank and Trust
Type
State-chartered bank
FDIC certificate #
15809
RSSD ID
247355
Primary regulator
FDIC
Holding company
Security Holding Co
Established
April 7, 1941
Headquarters
201 W Main St, Fredericksburg, TX 78624
Employees
312

Quick answers

Security State Bank & Trust: common questions

Is Security State Bank & Trust FDIC insured?

Yes. Security State Bank & Trust is an FDIC-insured institution (FDIC certificate #15809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security State Bank & Trust's TellerScore?

66 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 State Bank & Trust ever failed?

There is no failure record for FDIC certificate #15809 in the FDIC failed bank list.

How many branches does Security State Bank & Trust have?

22 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fredericksburg

InstitutionScoreAssetsCapitalProblem loansCompare
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
The Bank and Trust, S.S.B.Bank Del Rio, TX77 out of 100, Strong$583.8M10.0%0.05%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs