Bells, TN · Cert 1468 · Security Bcorp of TN Inc.
State charter, Fed member · FED · 3 affiliate banks · 5 branches (21 in holding)
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 5.4% share · #7 of 23 inst. · $0.2B of $4.3B
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 | 1.22% | 1.26% | 1.02% | 1.43% | 1.34% | 1.24% | 1.41% | 1.56% | +13 bps | |
| Return on Equity | 13.23% | 13.55% | 11.14% | 15.16% | 13.78% | 12.74% | 14.78% | 16.01% | +85 bps | |
| Net Interest Margin | 3.19% | 3.26% | 3.28% | 3.54% | 3.64% | 3.60% | 3.73% | 3.96% | +42 bps | |
| Efficiency Ratio | 50.90% | 50.57% | 48.35% | 46.60% | 44.72% | 45.39% | 44.73% | 43.38% | -322 bps | |
| Non-Interest Burden | 1.50% | 1.52% | 1.46% | 1.52% | 1.50% | 1.51% | 1.54% | 1.58% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.86% | -2.61% | 2.16% | 3.19% | 5.34% | 4.82% | 5.82% | 5.70% | +251 bps | |
| Loan Growth (YoY) | 13.26% | 18.43% | 17.94% | 15.89% | 12.63% | 13.20% | 12.69% | 12.67% | -322 bps | |
| Deposit Growth (YoY) | 3.42% | -3.46% | 1.69% | 2.31% | 4.61% | 3.89% | 5.16% | 5.05% | +274 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.01% | 0.02% | 0.04% | 0.06% | 0.21% | 0.03% | 0.29% | +25 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.10% | 0.00% | 0.00% | 0.00% | 0.07% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.52% | 1.57% | 1.51% | 1.47% | 1.46% | 1.51% | 1.47% | 1.44% | -3 bps | |
| Allowance Coverage of NPLs | 20.6x | 171.1x | 66.8x | 32.7x | 26.3x | 7.3x | 51.0x | 4.9x | -27.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.14% | 10.27% | 10.60% | 10.65% | 9.88% | 10.16% | 10.46% | -14 bps | |
| Total Risk-Based Capital | 15.66% | 15.56% | 14.89% | 14.94% | 15.77% | 14.33% | 14.27% | 14.56% | -38 bps | |
| Equity / Assets | 9.55% | 9.10% | 9.24% | 9.62% | 9.82% | 9.57% | 9.51% | 9.98% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.59% | 66.08% | 67.38% | 72.07% | 72.78% | 72.00% | 72.21% | 77.30% | +523 bps | |
| Liquid Assets / Assets | 0.79% | 1.93% | 8.25% | 3.06% | 0.03% | 0.03% | 0.05% | 0.07% | -299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 40.16% | 44.31% | 43.71% | n/a | n/a | |