The Security State Bank

Chartered Bank Active FDIC Insured
Health Score
10.0 / 10

45 W Oak St, Mcrae, GA 31055

Financial Overview

Total Assets $70.1M
Total Deposits $61.0M
Profitability (ROA) 1.97%
Shareholder Return (ROE) 14.81%
Capital Cushion (Eq/Assets) 12.70%
Established 02/01/1950

Financial Health Analysis

The Security State Bank is a currently active commercial lending specialization banking institution headquartered in Mcrae, Georgia. Established in 02/01/1950, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, The Security State Bank manages $70.1M in total assets and holds $61.0M in customer deposits. When evaluating the stability of The Security State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 12.70%, 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 1.97%, while its Return on Equity (ROE) sits at 14.81%. These robust metrics contribute to an overall health score of 10.0 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

$61.0M 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: https://securitystate.net

FDIC Certificate #: 19680

Specialization: Commercial Lending Specialization

Location

45 W Oak St

Mcrae, Georgia 31055

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