$86.7M
+30.9%y/y
Percentile by value30th percentileby value
FDIC
LNLSGRSS
Spur Security Bank
Spur, TexasFDIC Cert #15460
STATEEstablished 19332 branches
Holding company: DRY LAKE FINANCIAL LLCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $9.68M |
| Investor CRE | $6.83M |
| Multifamily | $0 |
| Construction | $13M |
| 1–4 family | $24.5M |
| C&I | $22.3M |
| Agriculture | $9.64M |
| Other | $801K |
Loan book
Reported balances and balance-sheet intensity.
$85.7M
+30.9%y/y
Percentile by value30th percentileby value
FDIC
LNLSNET+30.94%
−26.2%y/y
Percentile by value96th percentileby value
FDIC
LNLSNET71.4%
+17.8%y/y
Percentile by value43rd percentileby value
FDIC
LNLSNET + DEP66.0%
+16.6%y/y
Percentile by value54th percentileby value
FDIC
LNLSNET + ASSET71.67%
−1.4%y/y
Percentile by value33rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
131%
+73.1%y/y
Percentile by value64th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC86%
+96.1%y/y
Percentile by value92nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,956points
−12.7%y/y
Peer standing75th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD11.17%
−11.6%y/y
Percentile by value61st percentileby value
FDIC
LNRENROW + LNLSGR7.89%
+15.6%y/y
Percentile by value50th percentileby value
FDIC
LNRENROT + LNLSGR25.70%
+6.1%y/y
Percentile by value94th percentileby value
FDIC
LNCI + LNLSGR