BlastPoint's Banking Scorecard
Security State Bank & Trust
Community
Specialty: Commercial
TX
FDIC cert 15809
Fredericksburg, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Security State Bank & Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 29% in Community
- + Deposit Franchise: Top 44% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.91% above tier
- - Nonperforming Asset Ratio 1.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+6.6% YoY
+8.0% QoQ
|
+$751.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.5B
+11.5% YoY
+4.3% QoQ
|
+$492.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.8B
+5.1% YoY
+2.5% QoQ
|
+$634.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
2.18%
+10.2% YoY
-3.2% QoQ
|
+1.01% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.79%
+1.7% YoY
-0.1% QoQ
|
+1.12% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
54.08%
-2.9% YoY
+0.3% QoQ
|
-8.56% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
2.53%
+348.7% YoY
+5.5% QoQ
|
+1.91% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
81.56%
+6.1% YoY
+1.7% QoQ
|
-1.50% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
33.04%
-7.6% YoY
-6.5% QoQ
|
+12.00% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
1.74%
+367.5% YoY
-1.1% QoQ
|
+1.24% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| 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 ? |
0.60%
+24.1% YoY
+22.2% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#107 of 371 · Top 29% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.18%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#67 of 150 · Top 44% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.04%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.79%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.53%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.74%
(Tier avg: 0.50%, National avg: 0.48%)
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
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.66%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.04% · Tier avg: 21.05%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
74
74th pctile
Efficiency Ratio
Current: 54.08% · Tier avg: 62.63%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.56% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.63%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.56% · Tier avg: 83.06%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
74
74th pctile
Efficiency Ratio
Current: 54.08% · Tier avg: 62.63%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.04% · Tier avg: 21.05%
92
92th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.66%
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%