# SECURITY STATE BANK
PEARSALL, TX · FDIC certificate 1497 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.14B | |
| Deposits | $1.03B | |
| Loans and leases | $567.3M | |
| Total equity | $108.2M | |
| Loans / deposits | 54.69% (p6 of band) | 87.10% |
| Liquid assets / assets | 48.21% (p95 of band) | |
| Uninsured deposits / deposits | 63.42% (p97 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.74% (p55 of band) | 10.50% |
| Unrealized securities loss / equity | -20.38% (p19 of band) | -7.75% |
| AOCI / equity | -1.31% (p11 of band) | |
| ROA (annualized) | 1.37% (p61 of band) | 1.26% |
| Net interest margin | 3.03% (p16 of band) | 3.70% |
| Efficiency ratio | 46.08% (p15 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 63337.50% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 90.88% (p83 of band) | |
| Auto loans | $1.9M (0.34% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 27.8% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | assets shrinking |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2016-06 | 1 |  | deposits shrinking |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | uninsured deposits >50% | capital falling |
| 2017-09 | 0 |  | uninsured deposits >50% |
| 2017-12 | 1 | uninsured deposits >50% |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | uninsured deposits >50% |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits >50% |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | NIM <2.5% |  |
| 2024-03 | 4 | capital falling |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | NIM <2.5% |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | reserve under noncurrent |  |
| 2025-12 | 3 | construction >100% equity |  |
| 2026-03 | 2 | capital falling | reserve under noncurrent, construction >100% equity |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-16 [Security State Bank & Trust Names Tish Perez President and Member of the Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOMDY5SmY3X2hVZnlkTmFjUm9NZFFVVVpndTc3V0ZjdGh3NV9LdzVReDZ0WklvUFFxWThYR3JndjFjLTdfUHZ3NVdqWFBuYjFiMjliZ0xTZ0JHRmNEYThsRXp2dWxMVEhzSG5rUE83UGdZNjhtT3l1bDFKNFB4bkdKZTJiUjU2R2R0ZmdTQW5MczJ3SXJ4RHp6bkVYTGRDc1R3Sl9qYkxKSVNULTBKUl9FeEpJbGFhZ3gwc1MzSS0wemNtZEZxeHJGZjh0LUpQZ2s2U2tjRC1mc2VWRFVuMnc0?oc=5) · PR Newswire
- 2026-04-10 [Feds seek approval for South Side foreclosure in Devin Elder's wire fraud case - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSDN3bEs2VE5QZG4wTnEtc0dGNHIzbi1ZcE5uYzNmN2YxcUduNW91a2xxSWs5TFpuX3NZNXEyZllSb0hHaHB4cnRJTHY2dUZkRTc3S1ZqeV9vc2pDbm5GWGpLWks3S1FzVTNmVjN2NmRTb2hkeElRZmFRcnhlXzVPZjB1blZ6eVIydUw0VXNjaEFSMjZ1MXc?oc=5) · The Business Journals
- 2025-09-15 [SECURITY STATE BANK & TRUST HONORS TEXAS HILL COUNTRY COMMUNITY WITH FUNDRAISING PUSH - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOQURtdFAwdUJsMlJURzI5Z0NGT25jSXkwNWN3WlllU2M5MkpJVTNSd2R5U0kwYzJCQ3RITkxzNzE1X0dWMEpIU01BYjUzUVN0WmZRLXhzSkpJYkRXSTlHMnJTeVJIQVFndkpQZUhBU2JxRF9Mc2l4UjRWOUdEZkE4LUFrZ3BGMnRZTDZWYURLZ1VSUzNjSTF4NnBtV3c3UHpCbkE2VXk2aDljY3hoUFdSSGpIWmJuS3NKdmJBa0JWcUV5MjRMY1R0STRST2pOMUJJTVlkOGNIMA?oc=5) · PR Newswire
- 2025-08-01 [Gesa Credit Union CEO talks Security State Bank acquisition, plans for future - The Daily Chronicle](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQaVhPLTJoSEw1MVVUb3dVOEZfNzh3Q21RVEl2T0ZLdDVaTkE5d2N3dHRIcjZVdVFqZUJJcVFRbWV3ZXZsbloydk9xN21OQktaYmk1ME5iTkxFVjgtcEVfZ0lpc3M1NDZfOFZJa0JsZjMweC1hY1l2TEtaU0M5V1Z5ejU5eW1YMmxEeC1kU3JYNVFZTEl2YWVpcWpTR3VIMVpjY2I4YmVIUlJZMnJPVzhQU0F0dDZJdGhC?oc=5) · The Daily Chronicle
- 2024-05-24 [Gesa Credit Union to buy Washington bank - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZ2RHdkZ3V1QwZWs1X0VkOEkySEtxZi1HVDhhY09fY2FSX1dRci0zNlpHQWRZTktmYmlhNmtPSWIxd0VLUGpCSUVKaEVMV3dwUWJNQlhlQWtFclp4OUtheVI3bVRHVnB2RFN1NnhZeFl0YWViZkliemQ4VGhjWlhRQlJVZUNoaFZhMEZmTVBycUdJUnBwVkI0MWVGSkNXTWhZdm5lR2doMmlrZw?oc=5) · Banking Dive
- 2024-11-15 [Native housing crisis spurs record $5.3M in FHLB grants - Tribal Business News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZDVQMjFZbzZscXBTVlZ2S09wbElsc2NQNVlkMGM1NnBUSzBjSWVnQUQ1V0RCRWk3NGFsM3JyLTAzU2ktUXppZC00YWdJMW9sb285Xy1rTmZzS0dzdkZwSGxsVjFpME1GNlV3SGRhbExDUWtHNXg1QmoxSVhVTU5TRkFrQ1lwVG9pUnRBZ2xnY3JNSDY3Y0pXNGltakRZZlluVGFkNzk4ZEdJUXMzNmhRZThn?oc=5) · Tribal Business News
- 2023-10-16 [Victory bank to launch in Lubbock Oct. 16 - KCBD](https://news.google.com/rss/articles/CBMidkFVX3lxTFB5UzBQcGl3VWszLWYyTFRDc3Z2bG5EZ1RNeFlRZUlDVGZkLWdrcnZWMkc1OW1ydzJSTk12QnM2N0xscGdtS2xwMHJQVUNDbGlySFdmMXlmb0xqdktvNV9CWUxOT01UcWtNOEFtb2VkOHBvMmRlR2fSAYoBQVVfeXFMTk92TmE1OFY2bm45OWpzRVBSeEExRmRYaEZqM3ZRVU1za3JFWkdDQThnOXMydkR0MFAzX1piTjB1dmwwR2s4bU85N19uaENid2tjREMtSmZEUXFZclcxQ1dUTktqb2MwVlZlZVN6WWJaVGdHUkJWQUxRWlhwenpGMmx1MjlWRV9nOERn?oc=5) · KCBD
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1497 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "1497", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide