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Texas Department of Savings and Mortgage Lending

State Savings Banks: News and Information


In 1993, the 73rd Texas Legislature adopted the Texas Savings Bank Act (SB 396). The savings bank created under this act provides an alternative savings institution charter with the Federal Deposit Insurance Corporation ("FDIC") as primary federal regulator.


Subject Date
Notice from Commissioner
Third and Fourth Quarter Assessments February 2021   Third and Fourth Quarter Assesments - PDF  
Notice of Precomment Draft and Stakeholder Webinar (Recording) October 2020     Notice of Precomment Draft and Stakeholder Webinar - PDF
Assessments - First Quarter Fiscal Year 2021 September 2020   Assessments First Quarter FY2021 - PDF  
Independent Audits March 2020     Independent Audits - PDF
COVID-19 March 2020   COVID-19 - PDF  
Notice of Precomment Draft - Amendments to 7 TAC §77.73 March 2020     Notice of Pre-Comment Draft - Amendments to 7 TAC §77.73 - PDF

For more, see SSB Notices Archive.

Texas Bankers Association ATM Crime Task Force Report

November 2020

New Supplemental Form

Updated Quarterly Call Report Supplement

Cybersecurity Resources

As cybersecurity threats continue to emerge and technology continues to evolve, SML seeks to help you protect your customer’s personal and financial data. We encourage you to take advantage of the services available to you through your trade associations, governmental entities, and private entities. Here are a few links that you may find helpful in your effort to keep your community, customers, and institution safe and secure:

www.ffiec.gov/press/pr063015.htm – Federal Financial Institutions Examination Council (FFIEC) press release detailing its Cybersecurity Assessment Tool that may be used to help institutions identify risks and assess their cybersecurity preparedness.

www.fsisac.com – Created by and for members, and operating as a member-owned nonprofit entity, the Financial Services Information Sharing and Analysis Center is the global financial industry’s go to resource for cyber and physical threat intelligence analysis and sharing.

www.isaca.org – An independent, nonprofit, global association, ISACA (Information Systems Audit and Control Association) engages in the development, adoption, and use of globally accepted, industry-leading knowledge and practices for information systems.

www.staysafeonline.org – The mission of the National Cyber Security Alliance is to educate and therefore empower a digital society to use the Internet safely and securely at home, work, and school, protecting the technology individuals use, the networks they connect to, and shared digital interests.

www.csbs.org/cybersecurity - CSBS (Conference of State Bank Supervisors) sponsored a nine-week Executive Leadership of Cybersecurity online initiative in late 2014, collaborating with regulatory and industry professionals to share best practices for mitigating cyber risks. Content from that initiative is available on the CSBS website, including the Cybersecurity 101 Resource Guide.

FDIC Cybersecurity Resources - Resources available from the FDIC (Federal Deposit Insurance Corporation) to help financial institutions identify and mitigate cyber risks.

Emergency Communications System

SML participates in the Federal Reserve's Emergency Communications System (ECS). All state savings banks are highly encouraged to register for this free service so that we can provide you with important information during emergency situations. For more information and to register, please visit https://bsr.stlouisfed.org/ecsnet or call 1-877-3247-5333.

Charter Comparisons

Financial Institution Charter Comparison

Depository Institutions: Residential Mortgage Loan Originators

NMLS Federal Registry Resource Center

Identity Theft

Texas Department of Banking - Check Verification Entities

Please Note: External links to other sites are intended to be informational only and do not have the endorsement of the Department of Savings and Mortgage Lending.

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