What is Security State Bank & Trust's financial health grade?

Security State Bank & Trust has a TFS Financial Health Grade of C- (score: 71.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Security State Bank & Trust have?

Security State Bank & Trust has 22 branch locations across the United States.

Is Security State Bank & Trust FDIC insured?

Yes, Security State Bank & Trust is FDIC insured (Certificate #15809).

What are the total assets of Security State Bank & Trust?

Security State Bank & Trust has total assets of $2.1B as reported in its most recent FDIC filing.

Security State Bank & Trust

BankFredericksburg, Texas

https://www.ssbtexas.com

Total Assets

$2.1B

Total Deposits

$1.8B

Branches

Established

1941

TFS Health Grade

C-

71.5 / 100

Average financial health

How we grade

Security State Bank & Trust is a bank headquartered in Fredericksburg, Texas, established in 1941. With $2.1B in total assets and 22 branch locations, it has a TFS Financial Health Grade of C- (71.5/100).

Capital & Safety

Tier 1 Capital Ratio

12.14%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

2.51%

Profitability

Return on Assets (ROA)

2.18%(1%)

Return on Equity (ROE)

20.92%(10%)

Net Interest Margin

4.79%

Efficiency Ratio

54.08%(60%)

Lending & Liquidity

Total Loans

$1.5B

Loan-to-Deposit Ratio

81.56%

Net Charge-Off Ratio

0.09%

Growth

Asset Growth (YoY)

+6.58%

Deposit Growth (YoY)

+5.11%

Net Income

$43.9M

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
Security State Bank & TrustHQ	201 W Main St	Fredericksburg	TX	11
Security State Bank & Trust	11610 Bee Caves Rd	Bee Cave	TX	11
Security State Bank & Trust	1000 S Us Highway 281	Blanco	TX	11
Security State Bank & Trust	607 N Main St	Boerne	TX	11
Security State Bank & Trust	3131 Bulverde Road	Bulverde	TX	11
Security State Bank & Trust	18125 Fm 306	Canyon Lake	TX	11
Security State Bank & Trust	832 Front Street	Comfort	TX	11
Security State Bank & Trust	1500 W Highway 290	Dripping Springs	TX	11
Security State Bank & Trust	3973 W. Vickery Blvd, Ste 102 & 103	Fort Worth	TX	11
Security State Bank & Trust	3821 Camp Bowie Blvd	Fort Worth	TX	24
Security State Bank & Trust	202 W San Antonio St	Fredericksburg	TX	23
Security State Bank & Trust	1111 E Main St	Fredericksburg	TX	23
Security State Bank & Trust	23596 West Highway 290	Harper	TX	11
Security State Bank & Trust	3241 Junction Hwy	Ingram	TX	11
Security State Bank & Trust	212 Sidney Baker St S	Kerrville	TX	23
Security State Bank & Trust	1130 Junction Hwy	Kerrville	TX	11
Security State Bank & Trust	204 Ranch Road 2900	Kingsland	TX	11
Security State Bank & Trust	7626 Lohmans Ford Rd	Lago Vista	TX	11
Security State Bank & Trust	15050 W Hwy 29	Liberty Hill	TX	12
Security State Bank & Trust	608 N Us Highway 281	Marble Falls	TX	11
Security State Bank & Trust	501 Landa St	New Braunfels	TX	11
Security State Bank & Trust	3610 Pace Bend Rd S	Spicewood	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.