The Security State Bank (FDIC certificate #19680) is based in Mcrae, Georgia. Its Q2 2026 call report shows $70.5M in total assets and $61.0M in deposits and 1 office.
Based on its Q2 2026 filing, The Security State Bank scores 91/100, which we describe as very strong. That is higher than 90% of 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 11th. Its strongest component is earnings (97/100; 1.92%), and its lowest is loan quality (80/100; 0.59%).
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 7 points (98 → 91), mostly because the loan quality component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 96 |
| Q3 2024 | 95 |
| Q4 2024 | 97 |
| Q1 2025 | 95 |
| Q2 2025 | 98 |
| Q3 2025 | 94 |
| Q4 2025 | 94 |
| Q1 2026 | 91 |
| Q2 2026 | 91 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.87% |
| Q3 2024 | 15.40% |
| Q4 2024 | 14.80% |
| Q1 2025 | 13.90% |
| Q2 2025 | 14.68% |
| Q3 2025 | 14.82% |
| Q4 2025 | 14.99% |
| Q1 2026 | 13.96% |
| Q2 2026 | 14.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.09% |
| Q3 2024 | 2.16% |
| Q4 2024 | 2.06% |
| Q1 2025 | 1.90% |
| Q2 2025 | 2.08% |
| Q3 2025 | 2.13% |
| Q4 2025 | 2.10% |
| Q1 2026 | 1.97% |
| Q2 2026 | 1.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $70.5M | 14.11% | 0.59% | 1.92% | 52.9% |
| Q1 2026 | 91 | $70.1M | 13.96% | 0.54% | 1.97% | 59.3% |
| Q4 2025 | 94 | $67.8M | 14.99% | 0.51% | 2.10% | 64.8% |
| Q3 2025 | 94 | $65.2M | 14.82% | 0.54% | 2.13% | 64.0% |
| Q2 2025 | 98 | $63.6M | 14.68% | 0.02% | 2.08% | 65.3% |
| Q1 2025 | 95 | $62.1M | 13.90% | 0.00% | 1.90% | 68.0% |
| Q4 2024 | 97 | $65.4M | 14.80% | 0.00% | 2.06% | 66.5% |
| Q3 2024 | 95 | $58.3M | 15.40% | 0.19% | 2.16% | 78.2% |
| Q2 2024 | 96 | $58.5M | 14.87% | 0.00% | 2.09% | 71.0% |
546 peers · Under $100 million in assets
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 Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Apex Banking Company of GeorgiaBank Cleveland, GA | 70 out of 100, Strong | $72.6M | 9.7% | 0.03% | vs |
| Southeast First National BankBank Summerville, GA | 74 out of 100, Strong | $74.9M | 11.7% | 0.06% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| Rochelle State BankBank Rochelle, GA | 29 out of 100, Low | $85.6M | 8.0% | 3.40% | vs |
| First State Bank of Randolph CountyBank Cuthbert, GA | 27 out of 100, Low | $86.9M | 8.3% | 4.53% | vs |
Deposit insurance
Is my money safe at The Security State Bank?
Yes. The Security State Bank is an FDIC-insured institution (FDIC certificate #19680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.2% of deposits ($11.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.79% (benchmark: 10%).
1 location
Branches
The Security State Bank lists 1 office in 1 city. Most locations:
- Mcrae, GA (1)
Identity & history
Profile
- Legal name
- The Security State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19680
- RSSD ID
- 598132
- Primary regulator
- FDIC
- Holding company
- Farmers Bancshares Inc
- Established
- February 1, 1950
- Headquarters
- 45 W Oak St, Mcrae, GA 31055
- Website
- securitystate.net
- Employees
- 12
Quick answers
The Security State Bank: common questions
Is The Security State Bank FDIC insured?
Yes. The Security State Bank is an FDIC-insured institution (FDIC certificate #19680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Security State Bank's TellerScore?
91 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 The Security State Bank ever failed?
There is no failure record for FDIC certificate #19680 in the FDIC failed bank list.
How many branches does The Security State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcrae
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
| Bank of HazlehurstBank Hazlehurst, GA | 90 out of 100, Very strong | $134.2M | 14.6% | 0.68% | vs |
| Interstate Credit UnionCredit union Jesup, GA | 89 out of 100, Very strong | $410.9M | 15.8% | 0.54% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |