Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank of Newbern, TN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.78% | 1.25% | -0.47% | 21st bottom |
| ROAE | 8.02% | 12.22% | -4.20% | 24th bottom |
| Net Interest Margin | 3.59% | 3.95% | -0.36% | 31st below |
| Efficiency Ratio | 73.65% | 63.71% | +9.94% | 20th bottom |
| PPNR / Avg Assets | 1.19% | — | — | 27th below |
| Yield on Earning Assets | 4.99% | 5.67% | -0.68% | 22nd bottom |
| Cost of Funds | 1.45% | 1.87% | -0.42% | 72nd above |
| Net Interest Spread | 3.22% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.54% | 0.88% | -0.34% | 36th below |
| NPA / Total Assets | 0.25% | — | — | 48th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 1.21% | — | — | 52nd above |
| ACL / NPLs (Coverage) | 226.50% | — | — | 43rd below |
| Texas Ratio | 2.43% | 5.96% | -3.53% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.22% | 17.18% | -2.96% | 41st below |
| Tier 1 Ratio | 14.22% | 17.21% | -2.99% | 41st below |
| Total Capital Ratio | 14.99% | — | — | 37th below |
| Leverage Ratio | 10.53% | 11.75% | -1.22% | 42nd below |
| Equity / Assets | 9.82% | 10.98% | -1.16% | 41st below |
| TCE / Tangible Assets | 9.82% | — | — | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.02% | 80.44% | -25.42% | 88th top |
| Core Deposit Ratio | 83.79% | 86.95% | -3.16% | 27th below |
| Wholesale Funding Ratio | 3.20% | — | — | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.51% | — | — | 50th above |
| Loan Growth (Y/Y) | 18.14% | — | — | 91st top |
| Deposit Growth (Y/Y) | 3.75% | — | — | 47th below |
See Security Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Security Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Security Bank peer analysis.