McMinnville, TN · Cert 31146 · Security Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
63
Profitability
74
Liquidity
20
Efficiency
86
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.
McMinnville, TN · Cert 31146 · Security Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.19% | 1.10% | 1.21% | 1.34% | 1.46% | 1.52% | 1.62% | +41 bps | |
| Return on Equity | 12.10% | 12.30% | 11.40% | 12.47% | 13.45% | 14.37% | 13.64% | 14.39% | +192 bps | |
| Net Interest Margin | 3.20% | 3.14% | 3.09% | 3.12% | 3.37% | 3.50% | 3.91% | 3.96% | +84 bps | |
| Efficiency Ratio | 57.66% | 55.30% | 59.91% | 57.19% | 54.72% | 53.70% | 51.15% | 50.01% | -718 bps | |
| Non-Interest Burden | 1.58% | 1.39% | 1.64% | 1.57% | 1.60% | 1.62% | 1.77% | 1.72% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.80% | 10.88% | 16.49% | 10.84% | 8.39% | 6.08% | -3.35% | 0.51% | -1,032 bps | |
| Loan Growth (YoY) | 12.51% | 12.20% | 15.75% | 11.60% | 11.91% | 13.49% | 11.38% | 10.25% | -136 bps | |
| Deposit Growth (YoY) | 10.98% | 10.61% | 16.68% | 14.89% | 7.55% | -1.07% | -5.53% | -4.30% | -1,919 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.01% | 0.06% | 0.01% | 0.00% | 0.23% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.01% | 0.00% | 0.01% | 0.06% | 0.04% | +3 bps | |
| Allowance / Loans | 0.96% | 1.04% | 1.00% | 0.98% | 0.95% | 0.95% | 0.93% | 0.93% | -5 bps | |
| Allowance Coverage of NPLs | 850.0x | 20.0x | 99.5x | 16.2x | 175.6x | 719.8x | 4.0x | 727.5x | +711.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 10.59% | 10.29% | 10.10% | 10.79% | 11.34% | 11.77% | 11.91% | +181 bps | |
| Total Risk-Based Capital | 14.65% | 15.22% | 14.85% | 14.91% | 15.22% | 15.58% | 15.80% | 16.20% | +128 bps | |
| Equity / Assets | 10.00% | 9.85% | 9.42% | 9.90% | 10.57% | 10.91% | 11.36% | 11.47% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.82% | 83.24% | 79.59% | 83.22% | 90.34% | 95.49% | 93.83% | 95.87% | +1,265 bps | |
| Liquid Assets / Assets | 5.09% | 8.90% | 13.49% | 11.88% | 6.46% | 7.13% | 4.63% | 6.20% | -569 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | 221% | 230% | n/a | n/a | |
McMinnville, TN · Cert 31146 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.60%
Rank 136 of 746
Net Interest Margin
3.96%
Rank 265 of 746
Efficiency Ratio
50.01%
Rank 107 of 746
Equity / Assets
11.47%
Rank 284 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.72% | 1.06% | 1.45% | Beats 82% | 136 / 746 | ||
| Return on Equity | 13.97% | 6.74% | 10.51% | 13.63% | Beats 77% | 173 / 746 | ||
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 64% | 265 / 746 | ||
| Efficiency Ratio | 50.01% | 55.74% | 64.58% | 75.47% | Beats 86% | 107 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 85% | 112 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 41% | 438 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.12% | 11.55% | 13.75% | 17.60% | Beats 62% | 281 / 746 | ||
| Total Risk-Based Capital Ratio | 16.20% | 11.71% | 14.33% | 18.43% | Beats 65% | 264 / 746 | ||
| Equity / Assets | 11.47% | 8.90% | 10.51% | 13.06% | Beats 62% | 284 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.87% | 61.31% | 78.27% | 90.78% | 86th pctl | 108 / 746 | ||
| Loans / Assets | 81.37% | 53.60% | 66.97% | 76.08% | 88th pctl | 88 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||