Financial-condition comparison

First Security State Bank vs First State Bank

This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”

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Bank

First Security State Bank

Cranfills Gap, TX

C+

Health score

72.0

Total assets

$183.1M

View full profileData through 2026-Q2

Bank

First State Bank

Spearman, TX

Health score

77.5

Total assets

$184.0M

View full profileData through 2026-Q2

Answer first

Different strengths, no blanket winner

First Security State Bank leads on lending quality; First State Bank leads on financial health and capitalization and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.

Capital and asset-quality definitions are directly comparable for this pair.

Category leaders

Where each institution leads

Financial health

First State Bank

Higher TFS health score

Capitalization

First State Bank

Higher comparable capital ratio

Profitability

First State Bank

Higher return on assets

Lending quality

First Security State Bank

Lower problem-loan measure

Growth

First State Bank

Higher year-over-year asset growth

Same-source detail

Financial metrics

Winner markers appear only where the metric definitions are comparable and both values are available.

Metric	First Security State Bank	First State Bank
TFS health score	72.0/100	77.5/100Leads
Total assets	$183.1M	$184.0M
Total deposits / shares	$172.9M	$154.0M
Tier 1 capital ratio	7.60%	12.57%Leads
Return on assets	1.44%	1.74%Leads
Return on equity	27.59%Leads

Branch and market overlap

First Security State Bank

4 branches

First State Bank

2 branches

Both institutions report branches in 1 state: TX.

CFPB complaint coverage

First Security State Bank

Unavailable

First State Bank

Unavailable

Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.

Regulatory-action context

First Security State Bank

0 in TFS registry

First State Bank

0 in TFS registry

Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.

Quarterly history

Health and profitability trend

Quarter	First Security State Bank score	First Security State Bank ROA	First State Bank score	First State Bank ROA
2024-Q3	—	1.02%	—	1.32%
2024-Q4	—	1.05%	—	1.43%
2025-Q1	—	0.99%	—	1.59%
2025-Q2	—	0.94%	—	1.60%
2025-Q3	—	1.01%	—	1.68%
2025-Q4	—	1.08%	—	1.69%
2026-Q1	72.5/100

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First Security State Bank

First State Bank

Coverage boundaries

What this does not conclude

• No product-rate, fee, or customer-service winner without product data.
• Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
• Regulatory actions are displayed separately and are not included in category scoring.

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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.