Newbern, TN · Cert 2391 · Security Bcorp of TN Inc.
State charter, Fed member · FED · 3 affiliate banks · 6 branches (21 in holding)
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 0.7% share · #17 of 23 inst. · $0.0B of $4.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.44% | 0.55% | 0.67% | 0.73% | +28 bps | |
| Return on Equity | 4.83% | 4.69% | 5.87% | 7.10% | 7.57% | +274 bps | |
| Net Interest Margin | 2.59% | 2.65% | 2.67% | 3.02% | 3.16% | +57 bps | |
| Efficiency Ratio | 88.41% | 85.67% | 82.83% | 77.66% | 76.33% | -1,208 bps | |
| Non-Interest Burden | 2.08% | 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 / Loans | 0.52% | 0.56% | 0.52% | 0.93% | 0.54% | +1 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.32% | 1.32% | 1.30% | 1.28% | 1.21% | -10 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.3x | 2.5x | 1.4x | 2.3x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.86% | 10.83% | 10.31% | 10.28% | 10.53% | -33 bps | |
| Total Risk-Based Capital | 15.76% | 15.20% | 15.10% | 15.09% | 14.99% | -77 bps | |
| Equity / Assets | 9.49% | 10.01% | 9.50% | 9.47% | 9.82% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.32% | 48.01% | 47.12% | 48.45% | 55.02% | +670 bps | |
| Liquid Assets / Assets | 0.35% | 0.90% | 2.55% | 6.12% | 0.69% | +34 bps | |
| CRE / Total Capital | n/a | 174.05% | 177.73% | 178.62% | n/a | n/a | |