# SECURITY STATE BANK
LITTLEFIELD, TX · FDIC certificate 16631 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $126.1M | |
| Deposits | $98.4M | |
| Loans and leases | $91.9M | |
| Total equity | $12.0M | |
| Loans / deposits | 92.36% (p83 of band) | 73.15% |
| Liquid assets / assets | 19.71% (p22 of band) | |
| Uninsured deposits / deposits | 12.62% (p43 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.50% (p86 of band) | |
| FHLB advances / assets | 11.50% | |
| Tier 1 leverage | 8.78% (p16 of band) | 10.64% |
| Unrealized securities loss / equity | 6.80% (p96 of band) | 0.27% |
| AOCI / equity | -1.02% (p14 of band) | |
| ROA (annualized) | -0.71% (p3 of band) | 0.82% |
| Net interest margin | 4.61% (p90 of band) | 3.64% |
| Efficiency ratio | 84.62% (p77 of band) | |
| Noncurrent loans | 0.48% (p42 of band) | 0.67% |
| Net charge-offs (annualized) | 1.51% (p99 of band) | |
| Reserve coverage of noncurrent | 237.30% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 115.67% (p97 of band) | |
| Auto loans | $2.1M (2.23% of loans; DQ 3.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.7% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | assets shrinking |  |
| 2014-12 | 0 |  | assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 6 | capital falling, losing money, charge-offs p90, construction >100% equity, deposits shrinking, uninsured deposits leaving | reserve under noncurrent |

## 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=16631 (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/55.json (key "16631", 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