Security Bank (Newbern, TN)
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Data as of · sourced from FFIEC call reports. How we update
Security Bank is an FDIC-insured commercial bank headquartered in Newbern, TN, established in 1931 (FDIC certificate 2391), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $224.1M, up 4.5% from Q2 2025, the 87th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2391
- Headquarters
- Newbern, TN
- Established
- 1931
- Total assets, Q2 2026
- $224.1M
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 14.22%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 084307790
- Latest call report
- Q2 2026, FFIEC 051 · Security Bank call report
- Holding company
- SECURITY BANCORP OF TENNESSEE, INC.
- Asset rank in state
- 87th of 109 in Tennessee
Security Bank, based in Newbern, Tennessee, reported $224 million in assets at June 30, 2026, up 4.5% from a year earlier. It grew its loan book 18.1% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 18.1% and deposits rose 3.7%. Its $22 million commercial and industrial book is improving, with 5.62% past due or on nonaccrual, down from 8.64% a year earlier. Profitability lags: it earns about $0.78 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Security Bank reported a CET1 capital ratio of 14.22%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 2.43%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Security Bank is the 87th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.9% to $224.1M, loans rose 8.5% and deposits fell 4.4%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 20.4% of total loans, followed by 1-4 family residential loans at 19.9%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in TN; its Dyersburg 3 offices book 61% of its branch deposits. Judged on its Q2 2026 call report, Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 602 W Main St, Newbern, TN 38059
- County
- Dyer
- Metro Area
- Dyersburg, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1931
- Former names
- Security State Bank (1968-1988)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $191.8M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $226.0M
- Average total loans
- $100.7M
- Average interest-bearing deposits
- $152.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2391
- Fed RSSD
- 497851
- Website
- www.bankatsecurity.com →
- Parent Holding Company
- SECURITY BANCORP OF TENNESSEE, INC. (RSSD 1135374)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security Bank's total assets ranged from $208.7M (Q2 2024) to $233.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$224.1M total assets against $214.4M; $202.1M total liabilities against $194.1M.
$104.2M net loans and leases against $88.2M; $191.8M total deposits against $184.9M.
$96.5M securities against $102.0M; $8.0M cash and balances due against $8.0M.
$2.5M total interest income against $2.2M; $725K total interest expense against $759K.
$1.8M net interest income against $1.5M.
$873K total noninterest income against $979K; $2.0M total noninterest expense against $2.1M.
$40K provision for credit losses against $0.
$442K net income against $351K.
0.78% return on assets against 0.65%; 3.59% net interest margin against 3.19%.
14.22% CET1 capital ratio against 15.01%; 10.53% tier 1 leverage ratio against 10.86%.
Inside the full Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Bank rankings
Its closest position to the top of a national ranking is 1,066 of 2,134, for CET1 ratio; its furthest is 2,977 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q1 2025) to 0.88% (Q4 2025) and its net interest margin ran from 2.76% (Q1 2025) to 3.59% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 0.78% | 0.54% | 2.43% | 3.59% |
| Q1 2026 | 14.34% | 0.67% | 0.93% | 3.89% | 3.38% |
| Q4 2025 | 14.36% | 0.88% | 0.52% | 2.12% | 3.42% |
| Q3 2025 | 14.47% | 0.43% | 0.56% | 2.19% | 3.22% |
| Q2 2025 | 15.01% | 0.65% | 0.52% | 2.16% | 3.19% |
| Q1 2025 | 14.70% | 0.24% | 0.97% | 3.90% | 2.76% |
| Q4 2024 | 15.06% | 0.45% | 0.67% | 2.62% | 2.96% |
| Q3 2024 | 14.95% | 0.41% | 0.72% | 2.59% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mill Avenue Branch | Dyersburg , TN | 38024 | $94.7M |
| Security Bank (main office) | Newbern , TN | 38059 | $37.1M |
| Trenton Branch | Trenton , TN | 38382 | $28.0M |
| Mall Boulevard Branch | Dyersburg , TN | 38024 | $18.6M |
| Trimble Branch | Trimble , TN | 38259 | $9.1M |
| Plaza Branch | Dyersburg , TN | 38024 | $4.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 16, 1990 | Structure Change | Acquired Century Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 15, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 116 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 113 applications, 108 loans originated, $18.6M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Security Bank
What are Security Bank's total assets?
As of the Q2 2026 filing, Security Bank reported total assets of $224.1 million in its FFIEC call report.
Where is Security Bank headquartered?
It is headquartered in Newbern, TN, United States.
When was Security Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2391). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank?
Security Bank's primary federal regulator is the Federal Reserve.
What is Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security Bank's Texas Ratio?
Its Texas Ratio is 2.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Security Bank previously called?
The charter now named Security Bank has also operated as Security State Bank (1968-1988), per FDIC structure-change records.
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