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	324
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	11/14/2025
CERT	15809
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.98B
Total Deposits	$1.76B
Total Liabilities	$1.77B
Total Equity Capital	$217.65M
Net Income	$11.62M
Net Loans and Leases	$1.41B
Assets Per Employee ($Millions)	$6.11M
Bank Premises and Fixed Assets	$32.09M
Cash and Balances due from Depository Institutions	$189.50M
Deposits Held in Domestic Offices	$1.76B

Return on Assets (ROA)	2.33%
Return on Equity (ROE)	22%
Net Interest Margin	4.83%
Efficiency Ratio	55.41%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.01%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.967%
Earning Assets to total Assets	94.09%

Total Interest Income	$29.19M
Total Noninterest Income	$3.35M
Total Interest Expense	$6.55M
Total Noninterest Expense	$14.40M
Net Interest Income	$22.64M
Pre-tax Net Operating Income	$11.54M
Provision for Credit Losses	$55.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$1.06M
Other borrowed funds	$2.04M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$9.50M
Total Liabilities and Capital	$1.98B

Securities	$288.50M
Available-for-sale debt securities	$282.51M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Security State Bank & Trust?

$1.98B as of the latest filing.

How much are Security State Bank & Trust's total deposits?

$1.76B in total deposits.

Where is Security State Bank & Trust located?

Fredericksburg, TX.

What is the Net Interest Margin?

4.83%.

How many domestic offices does it operate?

22.

When was it established?

04/07/1941.

What is the Return on Assets (ROA)?

2.33%.

How much are total loans and leases?

$1.41B (latest filing).

What is the total interest income (latest filing)?

$29.19M.