Security State Bank & Trust: how it compares with its peers
Against 58 TX banks with half to twice its assets, Security State Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.78% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $8.7M).
| Measure | Security State Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.07% | 1.54% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.78% | 3.92% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.49% | 56.85% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $8.7M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.41% | 77.51% | Context |
What it means for lending operations
Its efficiency ratio of 55.49% is better than the 56.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens National Bank of Texas Waxahachie, TX · $2.19B
- Texas Community Bank Laredo, TX · $2.20B
- Falcon International Bank Laredo, TX · $2.25B
- Golden Bank, National Association Houston, TX · $2.28B
- Texas First Bank Texas City, TX · $2.35B
- First United Bank Dimmitt, TX · $2.41B
Questions about Security State Bank & Trust
How big is Security State Bank & Trust?
Security State Bank & Trust, established in 1941, is headquartered in Fredericksburg, TX. It reported $2.18B in total assets in its Q2 2026 FDIC call report and operates 22 offices.
What is Security State Bank & Trust's return on assets?
2.07% annualized in Q2 2026, against a 1.54% median for 58 TX banks with half to twice its assets, ahead of 83% of them.
What is Security State Bank & Trust's efficiency ratio?
55.49% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 56.85%, and lower is better.
Is Security State Bank & Trust growing its loans?
Net loans grew 10.8% over the year to Q2 2026, while deposits grew 4.5%.
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.