Unverified listing What this means
The Lender Report built this page from public records. Security State Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about Security State Bank & Trust itself. Each figure shows its source and date. Work at Security State Bank & Trust? You can claim this page for free.
Bank, Fredericksburg, TX
Security State Bank & Trust
A bank based in Fredericksburg, TX. Its commercial book is led by construction and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor and SBA 7(a) loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.27B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 3
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 44
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.18B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-880-0649 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.ssbtexas.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- ssbtexas.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Security State Bank and TrustFDIC institution record,
- Address
- 201 W Main St, Fredericksburg, TX 78624FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Security State Bank & Trust's Owner-occupied CRE balance rose 29.8% to $198.9M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 43 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 2.1% to $355.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 8.2% to $204.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 350 small business loans totaling $54.8M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Texas | SBA 7(a), Security Systems Services (except Locksmiths) | $280K | 8.5% | 10 yr | SBA FOIA | |
| Aug 2026 | Texas | SBA 7(a), Fitness and Recreational Sports Centers | $470K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Texas | SBA 7(a), Sports and Recreation Instruction | $370K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Texas | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $200K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Texas | SBA 7(a), Locksmiths | $200K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Texas | SBA 7(a), Fitness and Recreational Sports Centers | $45K | 8.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Texas | SBA 7(a), Fitness and Recreational Sports Centers | $280K | 8.5% | 10 yr | SBA FOIA | |
| Mar 2026 | Texas | SBA 7(a), General Automotive Repair | $200K | 8.5% | 10 yr | SBA FOIA | |
| Feb 2026 | Texas | SBA 7(a), Water Supply and Irrigation Systems | $450K | 8.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Texas | SBA 7(a), Manufacturing | $1.7M | 8.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Texas | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $650K | 8.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Texas | SBA 7(a), Wood Kitchen Cabinet and Countertop Manufacturing | $150K | 8.25% | 10 yr | SBA FOIA | |
| 2025 | Guadalupe County, TX | 50 to 99 units | $10M | 8.5% | 7 yr | 64% | HMDA 2025 |
| 2025 | Palo Pinto County, TX | Purchase, 5 to 24 units | $2.3M | 6.5% | 30 yr | 60% | HMDA 2025 |
| Dec 2025 | Texas | SBA 7(a), Specialized Freight (except Used Goods) Trucking, Long-Distance | $700K | 8.5% | 10 yr | SBA FOIA | |
| 2025 | Texas | 5 to 24 units | $520K | 8.25% | 20 yr | 70% | HMDA 2025 |
| Nov 2025 | Texas | SBA 7(a), Other Building Equipment Contractors | $280K | 8.5% | 10 yr | SBA FOIA | |
| Nov 2025 | Texas | SBA 7(a), Fitness and Recreational Sports Centers | $220K | 8.5% | 10 yr | SBA FOIA | |
| Sep 2025 | Texas | SBA 7(a), Commercial and Institutional Building Construction | $600K | 9% | 10 yr | SBA FOIA | |
| Sep 2025 | Texas | SBA 7(a), Residential Remodelers | $450K | 9% | 10 yr | SBA FOIA | |
| Sep 2025 | Texas | SBA 7(a), General Freight Trucking, Long-Distance, Less Than Truckload | $150K | 9% | 10 yr | SBA FOIA | |
| Aug 2025 | Texas | SBA 7(a), Clothing and Clothing Accessories Retailers | $520K | 9% | 10 yr | SBA FOIA | |
| Jul 2025 | Texas | SBA 7(a), Full-Service Restaurants | $300K | 9% | 10 yr | SBA FOIA | |
| Jun 2025 | Texas | SBA 7(a), Fitness and Recreational Sports Centers | $220K | 9% | 10 yr | SBA FOIA | |
| Apr 2025 | Texas | SBA 7(a), Manufacturing | $1.2M | 8.75% | 10 yr | SBA FOIA | |
| 44 SBA 7(a) loans since October 2023, net of cancelled | $22.6M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $76.5M | 4.9% | +76.8% |
| Construction and land development | $355M | 22.8% | +2.1% |
| Owner-occupied CRE | $199M | 12.8% | +59.7% |
| Non-owner-occupied CRE | $232M | 14.9% | -9.5% |
| Farmland | $200M | 12.9% | +20.9% |
| Commercial and industrial | $204M | 13.1% | +8.2% |
| Commercial total | $1.27B |
Reference only: $248M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.09B |
| Q4 2023 | $1.09B |
| Q1 2024 | $1.12B |
| Q2 2024 | $1.14B |
| Q3 2024 | $1.13B |
| Q4 2024 | $1.08B |
| Q1 2025 | $1.12B |
| Q2 2025 | $1.13B |
| Q3 2025 | $1.14B |
| Q4 2025 | $1.19B |
| Q1 2026 | $1.21B |
| Q2 2026 | $1.27B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 3 | $13.0M | $2.30M | $10M | HMDA, |
| Multifamily, 5 or more units | 2024 | 1 | $27M | $27M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 33 | $14.7M | $305K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 44 | $22.6M | $402K | $1.7M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 15 | $6.18M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number.
| Industry | Loans | Dollars |
|---|---|---|
| Fitness and Recreational Sports Centers | 6 | $1.73M |
Other lenders in these fields: SBA lenders for gyms and fitness businesses.
Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Security State Bank & Trust reported making 350 small business loans totaling $54,814,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 216 of $100,000 or less, 62 over $100,000 up to $250,000, 72 over $250,000 up to $1 million.
- 294 of them, totaling $43,256,000, went to businesses with revenue of $1 million or less.
- Security State Bank & Trust reported making 35 small farm loans totaling $2,777,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 25 of $100,000 or less, 8 over $100,000 up to $250,000, 2 over $250,000 up to $500,000.
- 34 of them, totaling $2,602,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Gillespie County, TX | 67 | $7.91M |
| Comal County, TX | 49 | $7.75M |
| Burnet County, TX | 42 | $5.98M |
| Kerr County, TX | 39 | $5.23M |
| Blanco County, TX | 30 | $2.31M |
| Bexar County, TX | 28 | $7.62M |
| Kendall County, TX | 22 | $1.79M |
| Travis County, TX | 21 | $3.97M |
| Guadalupe County, TX | 10 | $2.87M |
| Llano County, TX | 10 | $1.13M |
| County | Loans | Total |
|---|---|---|
| Gillespie County, TX | 11 | $974K |
| Kendall County, TX | 6 | $316K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Security State Bank & Trust reported commitments to fund construction loans that had not been drawn at June 30, 2026: $130,434,000 for 1-4 family residential construction and $76,266,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $39,993,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 686 | $13.6M |
| Over $100,000 up to $250,000 | 134 | $12.2M |
| Over $250,000 up to $1 million | 111 | $29.5M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 27 | $669K |
| Over $100,000 up to $250,000 | 73 | $8.38M |
| Over $250,000 up to $1 million | 169 | $69.1M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 7 | $442K |
| Over $100,000 up to $250,000 | 31 | $3.80M |
| Over $250,000 up to $500,000 | 21 | $6.12M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 41 | $478K |
| Over $100,000 up to $250,000 | 8 | $624K |
| Over $250,000 up to $500,000 | 1 | $183K |
Where it lends
Offices beside loans on record
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Security State Bank & Trust has 21 offices in 11 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 18 full service and 3 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Gillespie County, TX | 2 | 2 |
| Comal County, TX | 3 | 0 |
| Kerr County, TX | 2 | 1 |
| Travis County, TX | 3 | 0 |
| Kendall County, TX | 2 | 0 |
| Blanco County, TX | 1 | 0 |
| Burnet County, TX | 1 | 0 |
| Hays County, TX | 1 | 0 |
| Llano County, TX | 1 | 0 |
| Tarrant County, TX | 1 | 0 |
| Williamson County, TX | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $39.9M | $29.5M to $49.1M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 249.7% | 188.1% to 352.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 133.5% | 50.8% to 135.4% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 86.3% | 59.8% to 102.3% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $207M | $53.8M to $268M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 71.5% | 52.0% to 88.2% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Of 4 multifamily loans with a known channel in 2024 to 2025, 1 (25.0%) came through a third party. HMDA,
- Of 33 1-4 unit investor loans with a known channel in 2025, 1 (3.0%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- Preferred Lender authority
- 43 loans (97.7%)
- Approval to first disbursement
- 54 days, median of 39
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| First United Bank | TX | $2.41B | $1.16B |
| Falcon International Bank | TX | $2.25B | $1.31B |
| Texas First Bank | TX | $2.35B | $1.10B |
| Citizens National Bank of Texas | TX | $2.19B | $1.46B |
| Pinnacle Bank | TX | $2.72B | $1.63B |
| American Bank of Commerce | TX | $1.86B | $1.16B |
| First National Bank of Central Texas | TX | $1.77B | $891M |
| Texas Community Bank | TX | $2.20B | $956M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
Check this page
Against the regulator's own record
- Name and charter. Security State Bank & Trust, FDIC certificate 15809. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $2.18B in total assets and $1.27B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 81 recorded loans from HMDA and SBA files, through September 30, 2026: 3 HMDA multifamily 2025, 1 HMDA multifamily 2024, 33 HMDA 1-4 unit investor 2025, 44 SBA 7(a) in 36 months. Each has its source and date. [How each file was tied to Security State Bank & Trust]
- Phone and website. Phone 800-880-0649, from the lender's website on November 9, 2026. Website ssbtexas.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 350 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 15809
- RSSD
- 247355
- LEI
- 549300KLIO6FT2J64B78
- The Lender Report ID
- lr_000825
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $2.2B in total assets as of June 30, 2026 (FDIC call report).
- Held $1.3B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $355.2M of construction and land loans as of June 30, 2026, up 2.1% from a year earlier (FDIC call report).
- Held $232.4M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $204.2M of commercial and industrial loans as of June 30, 2026, up 8.2% from a year earlier (FDIC call report).
- Originated 3 multifamily loans totaling $13M in 2025 (HMDA).
9 more sentences
- Originated 1 multifamily loan totaling $27M in 2024 (HMDA).
- Originated 33 1-4 unit investor or business-purpose loans totaling $14.7M in 2025 (HMDA).
- Recorded 48 SBA 7(a) approvals totaling $24.3M from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Listed 22 offices in 1 state (FDIC).
- Reported making 350 small business loans totaling $54.8M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 35 small farm loans totaling $2.8M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 931 commercial and industrial loans that were $1 million or less when made, with a balance of $55.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 269 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $78.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $130.4M for 1-4 family and $76.3M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Security State Bank & Trust, https://lender.report/lender/security-state-bank-and-trust-tx/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at Security State Bank & Trust? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem