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Security Bank

Newbern, TN · Cert 2391 · Security Bcorp of TN Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security Bank

Newbern, TN · Cert 2391 · Security Bcorp of TN Inc.

State charter, Fed member · FED · 3 affiliate banks · 6 branches (21 in holding)

Q2 2026

$224.1MAssets
$105.5MLoans
$191.8MDeposits
$22.0MEquity
Loan mix
78%RE $74.0M18%C&I $17.1M4%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $154.2M20%Noninterest $37.6MQ2 2025Q2 2026

NIM

3.71%Q2 ’244.02%Q2 ’254.42%Q2 ’26-2%+22%

Non-interest income vs. expense

3.94%Q2 ’243.88%Q2 ’253.66%Q2 ’26-3%-3%

Market Position · Jackson, TN · 2026 SOD (annual) · 0.7% share · #17 of 23 inst. · $0.0B of $4.3B

16.3% Dyer
2.5% Gibson

Executive Summary

  • Earnings: ROA of 0.73%, up 28 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.54% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.53%, down 33 bps from a year ago.
  • Funding: loans stand at 55.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+57 bps YoY

Efficiency Ratio (YTD, annualized)

76.33%-1,208 bps YoY

Tier 1 Leverage Ratio

10.53%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.44%0.55%0.67%0.73%+28 bps
Return on Equity4.83%4.69%5.87%7.10%7.57%+274 bps
Net Interest Margin2.59%2.65%2.67%3.02%3.16%+57 bps
Efficiency Ratio88.41%85.67%82.83%77.66%76.33%-1,208 bps
Non-Interest Burden2.08%2.01%1.91%1.97%2.03%-5 bps
Growth
Asset Growth (YoY)2.72%3.61%6.84%6.28%4.51%+179 bps
Loan Growth (YoY)23.24%13.50%15.48%14.21%18.14%-510 bps
Deposit Growth (YoY)3.18%4.45%4.69%5.17%3.75%+57 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.56%0.52%0.93%0.54%+1 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.00%0.00%-1 bps
Allowance / Loans1.32%1.32%1.30%1.28%1.21%-10 bps
Allowance Coverage of NPLs2.5x2.3x2.5x1.4x2.3x-0.3x
Capital
Tier 1 Leverage Ratio10.86%10.83%10.31%10.28%10.53%-33 bps
Total Risk-Based Capital15.76%15.20%15.10%15.09%14.99%-77 bps
Equity / Assets9.49%10.01%9.50%9.47%9.82%+33 bps
Liquidity & Funding
Loans / Deposits48.32%48.01%47.12%48.45%55.02%+670 bps
Liquid Assets / Assets0.35%0.90%2.55%6.12%0.69%+34 bps
CRE / Total Capitaln/a174.05%177.73%178.62%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Security Bank

Newbern, TN · Cert 2391 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Security Bcorp of TN Inc.

State charter, Fed member · FED · 3 affiliate banks · 6 branches (21 in holding)

Q2 2026

$224.1MAssets
$105.5MLoans
$191.8MDeposits
$22.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 73% of banks under $1B in assets operating in a single state (rank 207 of 751).
  • Widest gap: efficiency ratio trails 76% of banks under $1B in assets operating in a single state (rank 575 of 755).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.74%

Rank 554 of 755

Net Interest Margin

3.16%

Rank 565 of 755

Efficiency Ratio

76.33%

Rank 575 of 755

Equity / Assets

9.82%

Rank 467 of 755

Non-interest income vs. expense

$3.7M$8.3MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state
Bank 76.33%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.72%1.06%1.45%Beats 27%554 / 755
Return on Equity7.56%6.66%10.44%13.61%Beats 31%518 / 755
Net Interest Margin3.16%3.15%3.68%4.17%Beats 25%565 / 755
Efficiency Ratio76.33%55.75%64.78%75.61%Beats 24%575 / 755
Asset Quality
Nonperforming Loans / Loans0.54%0.09%0.42%1.05%Beats 44%421 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 73%207 / 751
Capital
Tier 1 Capital Ratio14.22%11.56%13.81%17.74%Beats 54%349 / 755
Total Risk-Based Capital Ratio14.99%11.72%14.46%18.53%Beats 55%337 / 755
Equity / Assets9.82%8.93%10.56%13.13%Beats 38%467 / 755
Liquidity & Funding
Loans / Deposits55.02%62.43%78.62%91.00%16th pctl633 / 755
Loans / Assets47.10%54.70%67.27%76.55%16th pctl636 / 755
Brokered Deposits / Depositsn/aNot reported for this institution