Security State Bank & Trust
Fredericksburg, TX
IDRSSD: 247355
Total Assets
$2.14B
Latest filing
Total Deposits
$1.80B
Latest filing
Net Interest Margin
4.88%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Security State Bank & Trust
201 W Main St
Fredericksburg, TX 78624
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/07/1941FDIC Certificate 10053
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Security State Bank & Trust (Main) | 201 W Main St | Fredericksburg, TX |
| KINGSLAND BRANCH | 204 Ranch Road 2900 | Kingsland, TX |
| SAN ANTONIO STREET DRIVE THROUGH | 202 W San Antonio St | Fredericksburg, TX |
| MARBLE FALLS BRANCH | 608 N Us Highway 281 | Marble Falls, TX |
| KERRVILLE BRANCH | 1130 Junction Hwy | Kerrville, TX |
| BOERNE BRANCH | 607 N Main St | Boerne, TX |
| KERRVILLE DRIVE THROUGH FACILITY | 212 Sidney Baker St S | Kerrville, TX |
| BULVERDE BRANCH | 3131 Bulverde Road | Bulverde, TX |
Showing 7 of 21
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 | 04/07/1941 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78624 |
| State and County Number | 48171 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | Fredericksburg, TX |
Operational Info
| Number of Employees | 325 |
| Domestic Offices | 22 |
| 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 | 04/07/1941 |
| Primary Insurance Agency | DIF |
| Website | https://www.ssbtexas.com |
| Data Updated | 01/30/2026 |
| CERT | 15809 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.14B |
| Total Deposits | $1.80B |
| Total Liabilities | $1.91B |
| Total Equity Capital | $229.18M |
| Net Income | $10.43M |
| Net Loans and Leases | $1.47B |
| Assets Per Employee ($Millions) | $6.59M |
| Bank Premises and Fixed Assets | $32.78M |
| Cash and Balances due from Depository Institutions | $289.57M |
| Deposits Held in Domestic Offices | $1.80B |
Key Performance Ratios
| Return on Assets (ROA) | 2.02% |
| Return on Equity (ROE) | 18.68% |
| Net Interest Margin | 4.88% |
| Efficiency Ratio | 54.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.693% |
| Earning Assets to total Assets | 94.11% |
Income and Expense
| Total Interest Income | $30.16M |
| Total Noninterest Income | $3.11M |
| Total Interest Expense | $6.45M |
| Total Noninterest Expense | $14.62M |
| Net Interest Income | $23.71M |
| Pre-tax Net Operating Income | $10.37M |
| Provision for Credit Losses | $1.83M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $11.00k |
| Other borrowed funds | $106.21M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.48M |
| Total Liabilities and Capital | $2.14B |
Securities
| Securities | $281.85M |
| Available-for-sale debt securities | $275.79M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Security State Bank & Trust?
$2.14B as of the latest filing.
How much are Security State Bank & Trust's total deposits?
$1.80B in total deposits.
Where is Security State Bank & Trust located?
Fredericksburg, TX.
What is the Net Interest Margin?
4.88%.
How many domestic offices does it operate?
22.
When was it established?
04/07/1941.
What is the Return on Assets (ROA)?
2.02%.
How much are total loans and leases?
$1.47B (latest filing).
What is the total interest income (latest filing)?
$30.16M.