TellerScore

Spur Security Bank is a state-chartered bank headquartered in Spur, Texas, in business for about 93 years. At the end of Q2 2026 it reported $140.6M in total assets and $127.3M in deposits, with 2 offices.

Based on its Q2 2026 filing, Spur Security Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 137th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (50/100; 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.39%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 74.2% · 36.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 11 points (66 → 77), mostly because the loan quality component improved by 17 points.

TellerScore
657380Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202480
Q4 202477
Q1 202572
Q2 202566
Q3 202570
Q4 202565
Q1 202670
Q2 202677
Tier 1 leverage ratio
5.00%9.42%13.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.83%
Q3 202413.68%
Q4 202412.61%
Q1 202511.12%
Q2 202511.37%
Q3 202510.85%
Q4 202510.12%
Q1 20269.98%
Q2 202612.39%
Noncurrent loans
0.00%0.26%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.52%
Q3 20250.06%
Q4 20250.17%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.42%0.17%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.42%
Q3 20240.01%
Q4 20240.01%
Q1 20250.09%
Q2 20250.36%
Q3 20250.42%
Q4 20250.30%
Q1 20260.69%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$140.6M12.39%0.00%0.75%74.2%
Q1 202670$129.8M9.98%0.00%0.69%71.4%
Q4 202565$134.5M10.12%0.17%0.30%66.0%
Q3 202570$120.9M10.85%0.06%0.42%67.9%
Q2 202566$116.6M11.37%0.52%0.36%67.5%
Q1 202572$115.7M11.12%0.00%0.09%60.6%
Q4 202477$108.8M12.61%0.00%0.01%56.9%
Q3 202480$99.8M13.68%0.00%0.01%60.5%
Q2 202476$88.9M13.83%0.00%-0.42%59.8%

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 ratio12.39%
69th
Total risk-based capital19.01%
84th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.75%
21st
Net interest margin3.84%
45th
Efficiency ratio75.5%
20th
Loans to deposits74.2%
62nd
Uninsured deposits36.8%
14th
Loan-loss reserves1.09%
38th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State BankBank Rocksprings, TX80 out of 100, Strong$140.0M11.0%0.10%vs
First State Bank of BrownsboroBank Brownsboro, TX73 out of 100, Strong$139.9M10.4%0.52%vs
Texas National BankBank Sweetwater, TX74 out of 100, Strong$139.1M11.0%0.00%vs
Marion State BankBank Marion, TX77 out of 100, Strong$142.0M14.7%1.87%vs
The Buckholts State BankBank Buckholts, TX96 out of 100, Very strong$138.8M17.6%0.02%vs
Pointwest BankBank West, TX90 out of 100, Very strong$137.3M12.5%0.00%vs

Deposit insurance

Is my money safe at Spur Security Bank?

Yes. Spur Security Bank is an FDIC-insured institution (FDIC certificate #15460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.8% of deposits ($46.9M) 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 12.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.01% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Spur Security Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spur Security Bank
Type
State-chartered bank
FDIC certificate #
15460
RSSD ID
409265
Primary regulator
FDIC
Holding company
Dry Lake Financial Llc
Established
December 23, 1933
Headquarters
120 W Harris St, Spur, TX 79370
Employees
20

Quick answers

Spur Security Bank: common questions

Is Spur Security Bank FDIC insured?

Yes. Spur Security Bank is an FDIC-insured institution (FDIC certificate #15460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Spur Security Bank's TellerScore?

77 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 Spur Security Bank ever failed?

There is no failure record for FDIC certificate #15460 in the FDIC failed bank list.

How many branches does Spur Security Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Spur

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National Bank of CrosbytonBank Crosbyton, TX98 out of 100, Very strong$77.6M16.8%0.00%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs
Bank of TexasBank Midland, TX75 out of 100, Strong$543.6M13.0%0.48%vs