# SECURITY BANK OF TEXAS
CRAWFORD, TX · FDIC certificate 15731 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $175.9M | |
| Deposits | $152.6M | |
| Loans and leases | $125.4M | |
| Total equity | $20.9M | |
| Loans / deposits | 81.06% (p64 of band) | 73.59% |
| Liquid assets / assets | 22.24% (p27 of band) | |
| Uninsured deposits / deposits | 23.11% (p62 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.00% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -0.49% (p82 of band) | -6.57% |
| AOCI / equity | 0.04% (p87 of band) | |
| ROA (annualized) | 1.00% (p39 of band) | 1.17% |
| Net interest margin | 5.41% (p95 of band) | 3.93% |
| Efficiency ratio | 71.53% (p64 of band) | |
| Noncurrent loans | 1.75% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | 0.12% (p88 of band) | |
| Reserve coverage of noncurrent | 77.31% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 119.77% (p96 of band) | |
| Auto loans | $334,000 (0.27% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | reserve under noncurrent |
| 2011-09 | 1 |  | leverage <7%, losing money |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 5 | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 6 | capital falling |  |
| 2012-09 | 4 |  | deposits shrinking, assets shrinking |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 4 | NIM <2.5% |  |
| 2013-06 | 1 |  | expense ratio p90, losing money, capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 5 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 6 | losing money, charge-offs p90 | NIM <2.5% |
| 2014-06 | 6 |  |  |
| 2014-09 | 5 |  | charge-offs p90 |
| 2014-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2015-06 | 4 |  | charge-offs p90 |
| 2015-09 | 2 |  | deposits shrinking, assets shrinking |
| 2015-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | uninsured deposits leaving |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 | liquid assets <10% | expense ratio p90, losing money |
| 2017-06 | 1 |  | liquid assets <10% |
| 2017-09 | 2 | construction >100% equity |  |
| 2017-12 | 0 |  | capital falling, construction >100% equity |
| 2018-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2018-06 | 2 | capital falling | reserve under noncurrent |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2019-03 | 4 | capital falling | charge-offs p90 |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | wholesale funding >15% |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | brokered >10% |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 0 |  | construction >100% equity |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 3 | reserve under noncurrent |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2024-02-26 [Celebration of Life Set for Dr. Jeff Forsse on March 2; Baylor Mourns Death of HHPR Faculty Member - Baylor University](https://news.google.com/rss/articles/CBMixgFBVV95cUxOV2lJOHhXRXc4ZEhCRnRWZS1ySlhKeXlMUXNKeWJDQUZUZVJNWE9oSE1KYnBiRTY4Yk02cEFrT2huWS0wekRFeDdiZ3ZHTGpCSmFFYmNBQXJkNlp3NXFJeG9SNDVKdExtUnAtNUh2czEzS2hrM3h0ejNBUkpIMjlOUTVDTVpJOUtNTnRmaHpKY0E1TmdSRHVwUXRVRDNYWk5xRmFmQWczOTdKdmJMTHZYRU91bDF3NC1mMXhzY1ltVXZUaVZtaEE?oc=5) · Baylor University
- 2024-02-26 [Celebration of life services scheduled for beloved Baylor University professor - KWTX](https://news.google.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?oc=5) · KWTX

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15731 (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/51.json (key "15731", 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.

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