Security State Bank & Trust

Security State Bank & Trust is headquartered in Fredericksburg and is the 71^st largest bank in the state of Texas. It is also the 991^st largest bank in the nation. It was established in 1941 and as of March of 2012, it had grown to 227 employees at 18 locations. Security State Bank & Trust has a 4-star health rating.

Security State Bank & Trust Routing Number: 114921949

Data for Q1 2012

Institution Statistics Security State Bank & Trust FDIC Certificate # 15809 BankRate Report View Year Established 1941 Employees 227 Primary Regulator FDIC Assets and Liabilities Assets $668.02 million Loans $401.65 million Deposits $531.56 million Equity Capital $104.04 million Loan Loss Allowance $4.26 million Unbacked Noncurrent Loans $12.59 million Real Estate Owned $22.96 million Historic Data - March 2011 Assets $633.57 million Equity Capital $99.26 million Loan Loss Allowance $4.32 million Unbacked Noncurrent Loans $14.04 million Real Estate Owned $23.43 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 1.31% Return on Equity 8.49% Interest Income $7.23 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Security State Bank & Trust had $35.55 million in non-current loans and owned real-estate with $108.3 million in equity and loan loss allowances on hand to cover it. This gives Security State Bank & Trust a Texas Ratio of 32.82% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Security State Bank & Trust held steady from 36.17% as of March 31, 2011 to 32.82% as of March 31, 2012, resulting in a positive change of 9.26%.This indicates that the balance sheet and financial strength for Security State Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Security State Bank & Trust has increased its total deposits by $29.9 million, resulting in 5.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Security State Bank & Trust has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Security State Bank & Trust has $668.02 million in assets with $108.3 million in equity, resulting in a capitalization level of 16.21%, which is excellent.

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