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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.05% | 0.71% | 1.38% | 0.81% | 1.03% | 0.97% | 1.09% | -30 bps | |
| Return on Equity | 15.28% | 14.82% | 10.51% | 19.35% | 10.35% | 13.27% | 12.68% | 13.96% | -538 bps | |
| Net Interest Margin | 2.99% | 2.98% | 2.85% | 3.54% | 3.12% | 3.11% | 3.02% | 3.16% | -38 bps | |
| Efficiency Ratio | 53.66% | 56.76% | 56.06% | 49.16% | 57.47% | 54.98% | 56.63% | 54.66% | +550 bps | |
| Non-Interest Burden | 1.50% | 1.58% | 1.54% | 1.67% | 1.72% | 1.52% | 1.61% | 1.63% | -5 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 | 0.03% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 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 | |