Millington, TN · Cert 57416 · Security Bcorp of TN Inc.
State charter, Fed member · FED · 3 affiliate banks · 8 branches (21 in holding)
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.9% share · #21 of 48 inst. · $0.4B of $46.3B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.25% | 0.28% | 0.41% | 0.41% | 0.40% | 0.23% | 0.38% | -2 bps | |
| Return on Equity | 2.95% | 3.01% | 3.24% | 4.68% | 4.57% | 4.41% | 2.43% | 4.11% | -57 bps | |
| Net Interest Margin | 2.98% | 2.95% | 2.88% | 3.05% | 3.19% | 3.16% | 3.08% | 3.14% | +9 bps | |
| Efficiency Ratio | 92.18% | 91.98% | 93.64% | 87.38% | 85.98% | 86.08% | 89.49% | 86.05% | -133 bps | |
| Non-Interest Burden | 2.67% | 2.64% | 2.65% | 2.55% | 2.60% | 2.59% | 2.68% | 2.57% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.09% | -3.71% | -6.05% | -5.37% | -2.63% | -2.33% | -2.56% | 2.77% | +814 bps | |
| Loan Growth (YoY) | -1.01% | -3.46% | -5.82% | -8.45% | -1.26% | 3.24% | 7.76% | 8.39% | +1,684 bps | |
| Deposit Growth (YoY) | -3.14% | -2.23% | -4.70% | -3.75% | -3.59% | -2.59% | -2.56% | 3.74% | +749 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.59% | 0.41% | 0.34% | 0.64% | 0.95% | 1.36% | 1.09% | +75 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.48% | -0.17% | 0.13% | 0.10% | 0.33% | 0.00% | -0.03% | -16 bps | |
| Allowance / Loans | 1.44% | 1.29% | 1.34% | 1.23% | 1.23% | 1.01% | 0.99% | 1.00% | -23 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.2x | 3.2x | 3.6x | 1.9x | 1.1x | 0.7x | 0.9x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.61% | 9.68% | 9.90% | 10.39% | 9.97% | 10.00% | 9.89% | -1 bps | |
| Total Risk-Based Capital | 13.31% | 13.14% | 13.45% | 13.82% | 13.75% | 13.24% | 13.24% | 13.12% | -70 bps | |
| Equity / Assets | 9.01% | 8.56% | 8.69% | 8.84% | 9.77% | 9.51% | 9.44% | 9.04% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.20% | 59.58% | 58.29% | 60.69% | 63.70% | 63.14% | 64.46% | 63.40% | +272 bps | |
| Liquid Assets / Assets | 3.12% | 4.29% | 8.06% | 3.45% | 0.07% | 0.46% | 0.52% | 1.81% | -163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 273% | 285% | 293% | n/a | n/a | |