Security Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.57 percentage points higher than in Q1 2026, at 55.02%. Security Bank has the 7th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 55.02% as of Q2 2026. Security Bank reported 55.02% on loan-to-deposit ratio for Q2 2026, 25.53 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $105.5M |
| Net loans and leases | $104.2M |
| Loans held for sale | $1.8M |
| Loans to total assets | 47.10% |
| Loan-to-deposit ratio | 55.02% |
| Net loans to equity capital | 4.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.39% |
| Multifamily (5+ residential) | 2.78% |
| Commercial and industrial | 20.38% |
| Consumer | 3.28% |
| Credit cards | 0.96% |
| Farm | 14.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.64% |
| Construction concentration (Tier 1 capital + allowance) | 82.88% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.61% |
| Interest income on loans | $1.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $65.2M | $182.4M | 22.78% | 19.47% | 4.39% |
| Q4 2023 | $65.5M | $184.5M | 23.07% | 19.89% | 4.44% |
| Q1 2024 | $68.9M | $181.6M | 21.73% | 19.61% | 5.14% |
| Q2 2024 | $72.5M | $179.2M | 22.51% | 17.98% | 4.43% |
| Q3 2024 | $79.5M | $180.0M | 23.46% | 15.54% | 4.35% |
| Q4 2024 | $80.6M | $188.7M | 22.82% | 15.94% | 4.27% |
| Q1 2025 | $85.1M | $190.8M | 21.34% | 16.51% | 3.74% |
| Q2 2025 | $89.3M | $184.9M | 19.54% | 17.29% | 3.41% |
| Q3 2025 | $90.3M | $188.0M | 19.89% | 16.42% | 3.61% |
| Q4 2025 | $93.1M | $197.5M | 20.96% | 16.19% | 3.47% |
| Q1 2026 | $97.2M | $200.7M | 19.82% | 17.62% | 3.84% |
| Q2 2026 | $105.5M | $191.8M | 17.39% | 20.38% | 3.28% |
Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2391) · FFIEC NIC profile (RSSD 497851)