Halls, TN · Cert 10315 · Security Bcorp of TN Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
85
Profitability
48
Liquidity
17
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Halls, TN · Cert 10315 · Security Bcorp of TN Inc.
State charter, Fed member · FED · 3 affiliate banks · 2 branches (21 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.00% | 0.71% | 1.05% | 0.97% | 0.98% | 0.97% | 1.02% | -3 bps | |
| Return on Equity | 15.49% | 15.46% | 10.51% | 15.05% | 13.41% | 13.43% | 12.68% | 13.36% | -169 bps | |
| Net Interest Margin | 3.13% | 3.11% | 2.85% | 3.21% | 3.31% | 3.12% | 3.02% | 3.10% | -11 bps | |
| Efficiency Ratio | 50.96% | 52.38% | 56.06% | 52.26% | 53.91% | 54.19% | 56.63% | 55.63% | +337 bps | |
| Non-Interest Burden | 1.50% | 1.52% | 1.54% | 1.61% | 1.72% | 1.59% | 1.61% | 1.62% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.17% | -7.65% | -0.27% | -2.25% | 0.28% | 2.68% | -4.21% | 1.33% | +357 bps | |
| Loan Growth (YoY) | 14.28% | 18.48% | 5.95% | 10.94% | 4.78% | 9.41% | 17.43% | 14.44% | +350 bps | |
| Deposit Growth (YoY) | -1.40% | -8.31% | -0.84% | -3.52% | -0.36% | 1.82% | -5.26% | 1.23% | +475 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.51% | 0.99% | 2.82% | 0.28% | 0.28% | 0.31% | 0.15% | -267 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.76% | 1.77% | 1.81% | 1.66% | 1.68% | 1.62% | 1.54% | 1.45% | -21 bps | |
| Allowance Coverage of NPLs | 4.0x | 3.5x | 1.8x | 0.6x | 6.0x | 5.9x | 5.0x | 9.5x | +8.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.91% | 7.85% | 7.79% | 8.20% | 8.52% | 7.93% | 8.01% | 7.95% | -24 bps | |
| Total Risk-Based Capital | 15.20% | 13.98% | 14.42% | 15.52% | 14.61% | 14.12% | 15.22% | 13.88% | -164 bps | |
| Equity / Assets | 7.51% | 6.67% | 6.80% | 7.51% | 8.08% | 7.44% | 7.84% | 7.73% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.61% | 41.57% | 39.27% | 45.82% | 46.91% | 44.67% | 48.68% | 51.80% | +598 bps | |
| Liquid Assets / Assets | 15.43% | 17.00% | 22.27% | 17.86% | 10.00% | 18.02% | 17.30% | 15.76% | -210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 141.38% | 141.71% | 136.77% | n/a | n/a | |
Halls, TN · Cert 10315 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Bcorp of TN Inc.
State charter, Fed member · FED · 3 affiliate banks · 2 branches (21 in holding)
Q2 2026
Return on Assets
1.04%
Rank 389 of 746
Net Interest Margin
3.10%
Rank 585 of 746
Efficiency Ratio
55.63%
Rank 184 of 746
Equity / Assets
7.73%
Rank 664 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.72% | 1.06% | 1.45% | Beats 48% | 389 / 746 | ||
| Return on Equity | 13.42% | 6.74% | 10.51% | 13.63% | Beats 73% | 204 / 746 | ||
| Net Interest Margin | 3.10% | 3.17% | 3.68% | 4.16% | Beats 22% | 585 / 746 | ||
| Efficiency Ratio | 55.63% | 55.74% | 64.58% | 75.47% | Beats 75% | 184 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.42% | 1.07% | Beats 70% | 226 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.79% | 11.55% | 13.75% | 17.60% | Beats 39% | 455 / 746 | ||
| Total Risk-Based Capital Ratio | 13.88% | 11.71% | 14.33% | 18.43% | Beats 46% | 405 / 746 | ||
| Equity / Assets | 7.73% | 8.90% | 10.51% | 13.06% | Beats 11% | 664 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.80% | 61.31% | 78.27% | 90.78% | 14th pctl | 640 / 746 | ||
| Loans / Assets | 47.42% | 53.60% | 66.97% | 76.08% | 17th pctl | 617 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||