Spur Security Bank
Spur, Texas · FDIC Cert #15460
Spur Security Bank is an FDIC-insured bank (Certificate #15460) with $89M in total assets and $83M in total deposits as of the Q2 2024 Call Report. Headquartered in Spur, Texas, the bank maintains a Tier 1 capital ratio of 22.08% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Spur Security Bank (FDIC cert 15460) is a community bank — $89M in total assets, $83M in deposits, serving the Spur, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 22.08% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 41.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -0.62% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Spur Security Bank carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Spur Security Bank
- Total Assets
- $89M
- Total Deposits
- $83M
- Tier 1 Capital Ratio
- 22.08%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 41.52%
- Return on Assets
- -0.62%
- Headquarters
- Spur, Texas
- FDIC Certificate
- #15460
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Spur Security Bank holds a Tier 1 capital ratio of 22.08%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Spur Security Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Spur Security Bank shows strong financial health indicators. With $89M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Spur Security Bank Compares
Spur Security Bank’s Health Score of 90 is 16 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 22.08% Tier 1 capital ratio is 8.1 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.62% is below the national ROA benchmark of ~1.1%. Among 1003 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Spur Security Bank is 20 points above the portfolio average of 70.
Frequently Asked Questions
Spur Security Bank has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 22.08%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Spur Security Bank's Tier 1 capital ratio of 22.08% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Spur Security Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15460). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Spur Security Bank holds $89M in total assets and $83M in total deposits. It is headquartered in Spur, Texas (FDIC Certificate #15460).
Spur Security Bank has a Tier 1 capital ratio of 22.08%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is -0.62%.
Yes. Spur Security Bank is FDIC-insured (Certificate #15460). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Spur Security Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.