Spur Security Bank: how it compares with its peers
Against 105 TX banks with half to twice its assets, Spur Security Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.4M peer median). Its weakest relative measure is return on assets (0.75% vs. 1.41%).
| Measure | Spur Security Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 1.41% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 4.12% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.51% | 64.04% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.4M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.23% | 62.44% | Context |
What it means for lending operations
Its efficiency ratio of 75.51% is above the 64.04% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peoples State Bank Rocksprings, TX · $140M
- First State Bank of Brownsboro Brownsboro, TX · $140M
- Texas National Bank Sweetwater, TX · $139M
- Marion State Bank Marion, TX · $142M
- The Buckholts State Bank Buckholts, TX · $139M
- POINTWEST BANK West, TX · $137M
Questions about Spur Security Bank
How big is Spur Security Bank?
Spur Security Bank, established in 1933, is headquartered in Spur, TX. It reported $141M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Spur Security Bank's return on assets?
0.75% annualized in Q2 2026, against a 1.41% median for 105 TX banks with half to twice its assets, ahead of 18% of them.
What is Spur Security Bank's efficiency ratio?
75.51% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 64.04%, and lower is better.
Is Spur Security Bank growing its loans?
Net loans grew 28.8% over the year to Q2 2026, while deposits grew 17.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.