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
Unfavorable gap of $4.6M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.72% | 1.06% | 1.45% | Beats 27% | 554 / 755 | |
| Return on Equity | 7.56% | 6.66% | 10.44% | 13.61% | Beats 31% | 518 / 755 | |
| Net Interest Margin | 3.16% | 3.15% | 3.68% | 4.17% | Beats 25% | 565 / 755 | |
| Efficiency Ratio | 76.33% | 55.75% | 64.78% | 75.61% | Beats 24% | 575 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.42% | 1.05% | Beats 44% | 421 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 207 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 14.22% | 11.56% | 13.81% | 17.74% | Beats 54% | 349 / 755 | |
| Total Risk-Based Capital Ratio | 14.99% | 11.72% | 14.46% | 18.53% | Beats 55% | 337 / 755 | |
| Equity / Assets | 9.82% | 8.93% | 10.56% | 13.13% | Beats 38% | 467 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 55.02% | 62.43% | 78.62% | 91.00% | 16th pctl | 633 / 755 | |
| Loans / Assets | 47.10% | 54.70% | 67.27% | 76.55% | 16th pctl | 636 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |