Security Bank of Texas: how it compares with its peers
Against 120 TX banks with half to twice its assets, Security Bank of Texas's strongest measure in Q2 2026 is net interest margin (5.41% vs. a 4.18% peer median). Its weakest relative measure is return on assets (1.00% vs. 1.47%).
| Measure | Security Bank of Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.00% | 1.47% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.41% | 4.18% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.53% | 63.34% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.5M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.06% | 64.63% | Context |
What it means for lending operations
Its efficiency ratio of 71.53% is above the 63.34% 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
- Bank of South Texas Mcallen, TX · $175M
- First State Bank Paint Rock, TX · $174M
- Greater State Bank Mcallen, TX · $180M
- Peoples State Bank Shepherd, TX · $181M
- First National Bank of Bosque County Valley Mills, TX · $182M
- First Security State Bank Cranfills Gap, TX · $183M
Questions about Security Bank of Texas
How big is Security Bank of Texas?
Security Bank of Texas, established in 1940, is headquartered in Crawford, TX. It reported $176M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Security Bank of Texas's return on assets?
1.00% annualized in Q2 2026, against a 1.47% median for 120 TX banks with half to twice its assets, ahead of 20% of them.
What is Security Bank of Texas's efficiency ratio?
71.53% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 63.34%, and lower is better.
Is Security Bank of Texas growing its loans?
Net loans grew 15.6% over the year to Q2 2026, while deposits grew 21.4%.
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.