What is First Security State Bank's financial health grade?

First Security State Bank has a TFS Financial Health Grade of D+ (score: 67.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Security State Bank have?

First Security State Bank has 4 branch locations across the United States.

Is First Security State Bank FDIC insured?

Yes, First Security State Bank is FDIC insured (Certificate #11932).

What are the total assets of First Security State Bank?

First Security State Bank has total assets of $183.9M as reported in its most recent FDIC filing.

First Security State Bank

BankCranfills Gap, Texas

www.fssbtexas.com

Total Assets

$183.9M

Total Deposits

$168.4M

Branches

Established

1910

TFS Health Grade

D+

67.7 / 100

Below average financial health

How we grade

First Security State Bank is a bank headquartered in Cranfills Gap, Texas, established in 1910. With $183.9M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (67.7/100).

Capital & Safety

Tier 1 Capital Ratio

7.45%(8%)

Total Capital Ratio

20.10%(10%)

Non-Performing Loan Ratio

0.46%

Profitability

Return on Assets (ROA)

1.08%(1%)

Return on Equity (ROE)

25.45%(10%)

Net Interest Margin

3.25%

Efficiency Ratio

71.68%(60%)

Lending & Liquidity

Total Loans

$74.0M

Loan-to-Deposit Ratio

43.48%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+7.76%

Deposit Growth (YoY)

+3.87%

Net Income

$1.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Security State BankHQ	307 N 3rd St	Cranfills Gap	TX	11
First Security State Bank	1115 W 5th St	Clifton	TX	11
First Security State Bank	9353 Highway 6	Meridian	TX	11
First Security State Bank	1201 N Brazos St	Whitney	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.