SECURITY FEDERAL SAVINGS BANK OF MCMINNVILLE

MCMINNVILLE, TN | Small | Est. Jan. 1, 1959, midnight | FDIC #31146 | RSSD #631178 | FDIC
Latest Report: 2025-12-31

SECURITY FEDERAL SAVINGS BANK OF MCMINNVILLE is asn small FDIC-insured commercial bank headquartered in MCMINNVILLE, TN, established in Jan. 1, 1959, midnight. As of 2025-12-31, the bank reported total assets of $381M and total deposits of $317M. Profitability stands at 1.82% ROA and 16.98% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 14.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #31146.

Assets

$381M

Deposits

$317M

Loans

$303M

Equity

$42M

Profitability

Return on Assets (ROA) 1.82%
Return on Equity (ROE) 16.98%
Net Interest Margin (NIM) 4.12%
Yield on Assets 6.52%
Cost of Funds 2.51%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 14.50%
Tier 1 Capital 14.50%
Total Capital Ratio 15.58%
Leverage Ratio 11.34%
Loan-to-Deposit 95.49%

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