SECURITY BANK AND TRUST COMPANY

MAYSVILLE, KY | Micro | Est. Jan. 1, 1928, midnight | FDIC #8121 | RSSD #835613 | FDIC
Latest Report: 2025-12-31

SECURITY BANK AND TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in MAYSVILLE, KY, established in Jan. 1, 1928, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $58M. Profitability stands at 1.96% ROA and 12.15% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 15.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.23%. FDIC Certificate #8121.

Assets

$70M

Deposits

$58M

Loans

$28M

Equity

$11M

Profitability

Return on Assets (ROA) 1.96%
Return on Equity (ROE) 12.15%
Net Interest Margin (NIM) 3.87%
Yield on Assets 4.58%
Cost of Funds 1.10%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.23%
NPA Ratio 0.04%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 15.52%
Tier 1 Capital 15.52%
Total Capital Ratio 16.29%
Leverage Ratio 15.77%
Loan-to-Deposit 48.36%

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