McMinnville, TN · Cert 31146 · Security Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.57% | 1.82% | 1.52% | 1.72% | +42 bps | |
| Return on Equity | 13.48% | 15.35% | 16.98% | 13.64% | 15.11% | +163 bps | |
| Net Interest Margin | 3.27% | 3.67% | 3.83% | 3.91% | 4.07% | +80 bps | |
| Efficiency Ratio | 54.68% | 50.40% | 51.01% | 51.15% | 48.95% | -574 bps | |
| Non-Interest Burden | 1.57% | 1.56% | 1.65% | 1.77% | 1.71% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.84% | 8.39% | 6.08% | -3.35% | 0.51% | -1,032 bps | |
| Loan Growth (YoY) | 11.60% | 11.91% | 13.49% | 11.38% | 10.25% | -136 bps | |
| Deposit Growth (YoY) | 14.89% | 7.55% | -1.07% | -5.53% | -4.30% | -1,919 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.01% | 0.00% | 0.23% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.06% | 0.01% | 0 bps | |
| Allowance / Loans | 0.98% | 0.95% | 0.95% | 0.93% | 0.93% | -5 bps | |
| Allowance Coverage of NPLs | 16.2x | 175.6x | 719.8x | 4.0x | 727.5x | +711.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.10% | 10.79% | 11.34% | 11.77% | 11.91% | +181 bps | |
| Total Risk-Based Capital | 14.91% | 15.22% | 15.58% | 15.80% | 16.20% | +128 bps | |
| Equity / Assets | 9.90% | 10.57% | 10.91% | 11.36% | 11.47% | +157 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.22% | 90.34% | 95.49% | 93.83% | 95.87% | +1,265 bps | |
| Liquid Assets / Assets | 11.88% | 6.46% | 7.13% | 4.63% | 6.20% | -569 bps | |
| CRE / Total Capital | n/a | 226% | 221% | 230% | n/a | n/a | |