Security State Bank

Chartered Bank Active FDIC Insured
Health Score
9.7 / 10

1000 N Oak St, Pearsall, TX 78061

Financial Overview

Total Assets $1.13B
Total Deposits $1.02B
Profitability (ROA) 1.33%
Shareholder Return (ROE) 13.33%
Capital Cushion (Eq/Assets) 9.36%
Established 01/01/1925

Financial Health Analysis

Security State Bank is a currently active commercial lending specialization banking institution headquartered in Pearsall, Texas. Established in 01/01/1925, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Security State Bank manages $1.13B in total assets and holds $1.02B in customer deposits. When evaluating the stability of Security State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.36%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.33%, while its Return on Equity (ROE) sits at 13.33%. These robust metrics contribute to an overall health score of 9.7 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$146.1M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.securitystbk.com

FDIC Certificate #: 1497

Specialization: Commercial Lending Specialization

Location

1000 N Oak St

Pearsall, Texas 78061

Open in Google Maps →

Map