The Security State Bank
45 W Oak St, Mcrae, GA 31055
Financial Overview
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