BlastPoint's Banking Scorecard
Security State Bank
Community
Specialty: Commercial
TX
FDIC cert 1497
Pearsall, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Security State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14% in Community
- - Capital Thin: Bottom 30% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$949.1M
+2.5% YoY
+6.1% QoQ
|
-$442.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$551.7M
+2.2% YoY
+0.4% QoQ
|
-$423.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$845.2M
+1.0% YoY
+7.1% QoQ
|
-$319.4M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
1.26%
+39.2% YoY
-0.2% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.03%
+19.3% YoY
+0.8% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
50.30%
-11.4% YoY
+0.8% QoQ
|
-12.33% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.90%
+35.4% YoY
-2.1% QoQ
|
+0.27% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
65.27%
+1.2% YoY
-6.3% QoQ
|
-17.79% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.98%
+5.9% YoY
-7.6% QoQ
|
-3.06% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.52%
+34.9% YoY
-59.9% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.25%
+1.6% YoY
+23.1% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#93 of 642 · Bottom 14% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#132 of 432 · Bottom 30% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Efficiency Ratio
Current: 50.30% · Tier avg: 62.63%
60
60th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
50
50th pctile
Total Deposits
Current: $845.2M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $949.1M · Tier avg: $1.4B
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.98% · Tier avg: 21.05%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
37
37th pctile
Total Loans
Current: $551.7M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.27% · Tier avg: 83.06%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.27% · Tier avg: 83.06%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Total Loans
Current: $551.7M · Tier avg: $975.5M
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.98% · Tier avg: 21.05%
46
46th pctile
Total Assets
Current: $949.1M · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $845.2M · Tier avg: $1.2B
60
60th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
83
83th pctile
Efficiency Ratio
Current: 50.30% · Tier avg: 62.63%