First Security State Bank
Cranfills Gap, TX
IDRSSD: 819154
Total Assets
$183.89M
Latest filing
Total Deposits
$168.36M
Latest filing
Net Interest Margin
3.37%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Security State Bank
307 N 3rd St
Cranfills Gap, TX 76637
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 7619
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Security State Bank (Main) | 307 N 3rd St | Cranfills Gap, TX |
| CLIFTON BRANCH | 1115 W 5th St | Clifton, TX |
| BRAZOS BRANCH | 1201 N Brazos St | Whitney, TX |
| MERIDAIN BRANCH | 9353 Highway 6 | Meridian, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76637 |
| State and County Number | 48035 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fssbtexas.com |
| Data Updated | 01/30/2026 |
| CERT | 11932 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $183.89M |
| Total Deposits | $168.36M |
| Total Liabilities | $174.10M |
| Total Equity Capital | $9.79M |
| Net Income | $586.00k |
| Net Loans and Leases | $73.21M |
| Assets Per Employee ($Millions) | $6.13M |
| Bank Premises and Fixed Assets | $1.94M |
| Cash and Balances due from Depository Institutions | $15.06M |
| Deposits Held in Domestic Offices | $168.36M |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 24.47% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 67.73% |
| Tier 1 Risk-Based Capital Ratio | 19.03% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.325% |
| Earning Assets to total Assets | 94.35% |
Income and Expense
| Total Interest Income | $1.93M |
| Total Noninterest Income | $367.00k |
| Total Interest Expense | $448.00k |
| Total Noninterest Expense | $1.25M |
| Net Interest Income | $1.49M |
| Pre-tax Net Operating Income | $586.00k |
| Provision for Credit Losses | $12.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $743.00k |
| Total Liabilities and Capital | $183.89M |
Securities
| Securities | $89.15M |
| Available-for-sale debt securities | $74.75M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $14.40M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Security State Bank?
$183.89M as of the latest filing.
How much are First Security State Bank's total deposits?
$168.36M in total deposits.
Where is First Security State Bank located?
Cranfills Gap, TX.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$73.21M (latest filing).
What is the total interest income (latest filing)?
$1.93M.