Bank Comparison
Security Bank vs Tandem Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Security Bank | Tandem Bank |
|---|---|---|
| CET1 Ratio | 15.31% | 15.22% |
| Tier 1 Capital Ratio | 15.31% | 15.22% |
| Total Capital Ratio | 16.25% | 16.48% |
| Tier 1 Leverage Ratio | 12.67% | 11.98% |
| Equity / Assets | 11.67% | 11.88% |
Profitability
| Metric | Security Bank | Tandem Bank |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 0.98% |
| Return on Equity (ROE) | 8.91% | 8.38% |
| Net Interest Margin (NIM) | 3.96% | 3.84% |
| Yield on Earning Assets | 5.83% | 6.16% |
| Cost of Funds | 1.99% | 2.64% |
Asset quality
| Metric | Security Bank | Tandem Bank |
|---|---|---|
| Texas Ratio | 4.15% | 1.37% |
| Non-Performing Loan Ratio | 0.63% | 0.24% |
| Non-Performing Asset Ratio | 0.46% | 0.18% |
| Net Charge-Off Ratio | 0.29% | 0.00% |
| ACL / Loans | 1.09% | 1.26% |
Balance sheet
| Metric | Security Bank | Tandem Bank |
|---|---|---|
| Total Assets | $315,961K | $315,715K |
| Total Deposits | $277,891K | $252,984K |
| Total Loans | $228,167K | $226,093K |
| Total Equity | $36,867K | $37,492K |
| Net Income (quarter) | $815 | $777 |
Liquidity & funding
| Metric | Security Bank | Tandem Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.11% | 89.37% |
| Core Deposit Ratio | 92.91% | 87.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security Bank | Tandem Bank |
|---|---|---|
| Headquarters City | LAUREL | TUCKER |
| Headquarters State | NE | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 43 | 30 |
| Established | March 6, 1928, midnight | Sept. 23, 2019, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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