Security Bank
Newbern, TN · Cert 2391 · 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 · 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 743).
- Widest gap: efficiency ratio trails 76% of banks under $1B in assets operating in a single state (rank 570 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.74%
Rank 548 of 746
Net Interest Margin
3.16%
Rank 563 of 746
Efficiency Ratio
76.33%
Rank 570 of 746
Equity / Assets
9.82%
Rank 451 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.72% | 1.06% | 1.45% | Beats 27% | 548 / 746 | | |
| Return on Equity | 7.56% | 6.74% | 10.51% | 13.63% | Beats 30% | 519 / 746 | | |
| Net Interest Margin | 3.16% | 3.17% | 3.68% | 4.16% | Beats 25% | 563 / 746 | | |
| Efficiency Ratio | 76.33% | 55.74% | 64.58% | 75.47% | Beats 24% | 570 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.42% | 1.07% | Beats 44% | 414 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 207 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.22% | 11.55% | 13.75% | 17.60% | Beats 54% | 342 / 746 | | |
| Total Risk-Based Capital Ratio | 14.99% | 11.71% | 14.33% | 18.43% | Beats 56% | 330 / 746 | | |
| Equity / Assets | 9.82% | 8.90% | 10.51% | 13.06% | Beats 40% | 451 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.02% | 61.31% | 78.27% | 90.78% | 17th pctl | 619 / 746 | | |
| Loans / Assets | 47.10% | 53.60% | 66.97% | 76.08% | 17th pctl | 621 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |