Security Bank of Texas
Crawford, TX·RSSD 435666·FDIC 15731·bank:435666·CBLR opted in
- #266 of 352Total assets in Texas
- 4offices
- 29employees
- Top 3%Net interest margin in the U.S.
- Top 5%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Security Bank of Texas
5 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Deposits growing faster than peersStrength: Funding 2nd quarter+21.4%peers +3.9%+17.5 pp
Security Bank of Texas's deposits grew 21.4% over the past year to $153 million. The median among 1212 similar banks was +3.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +21.4% | +3.9% | +17.5 pp |
| Deposits | ||
| $153 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Security Bank of Texas itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter12.00%peers 11.33%+0.7 pp
Security Bank of Texas's leverage ratio fell 1.7 percentage points over the past year to 12.00%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 12.00% | 11.33% | +0.7 pp |
| 12-month change | ||
| -1.7 pp | +0.1 pp | -1.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Security Bank of Texas itself is left out of every peer median and percentile. How signals work
Problem loans rising while the peer median holds steadyWorth a look: Asset quality 2nd quarter1.75%peers 0.38%+137 bps
Security Bank of Texas's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 152 bps over the past year to 1.75%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 1.75% | 0.38% | +137 bps |
| 12-month change | ||
| +152 bps | 0 bps | +152 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Security Bank of Texas itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+19.8%peers +4.2%+15.6 pp
Security Bank of Texas's total assets grew 19.8% over the past year to $176 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +19.8% | +4.2% | +15.6 pp |
| Total assets | ||
| $176 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Security Bank of Texas itself is left out of every peer median and percentile. How signals work
1 more observation
- Noninterest-bearing deposit share rising while the peer median fallsFunding
Key facts
- Security Bank of Texas is a bank headquartered in Crawford, Texas. It reported $176 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $153 million, up 21.4% from a year earlier, and loans totaled $125 million, up 15.6%.
- Its net interest margin was 5.52% and its annualized return on assets was 1.14% for the quarter.
- Its cost of all deposits was 2.59%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Security Bank of Texas's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Security Bank of Texas · Bank
- Federal Reserve RSSD
- 435666
- FDIC certificate
- 15731
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Security Bank of Texas itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $492K | — | |
| $3.12M | — | |
| $967K | — | |
| $2.15M | — | |
| $115K | — | |
| $1.56M | — | |
| $91K | — | |
| $91K | — | |
| 1.14% | 1.14%ROAQ · Quarter | |
| 5.52% | 5.50%NIMYQ · Quarter | |
| 68.71% | 68.71%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.