Security Federal Savings Bank of McMinnville
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
$386.0MAssets
$314.0MLoans
$327.6MDeposits
$44.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of banks under $1B in assets operating in a single state (rank 107 of 746).
- Widest gap: net charge-offs / loans trails 59% of banks under $1B in assets operating in a single state (rank 438 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 86% 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 | 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 |