Security Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 54.69 percentage points higher than in Q1 2026, at 167.80%. Security Bank ranks 87th of 109 Tennessee banks on return on assets, in the lower half at 0.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Security Bank sits 0.47 points lower, at 0.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.22% |
| Tier 1 risk-based capital ratio | 14.22% |
| Total risk-based capital ratio | 14.99% |
| Tier 1 leverage ratio | 10.53% |
| Equity capital to assets | 9.82% |
| Tangible equity to tangible assets | 9.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.72% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.43% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 167.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 8.02% |
| Net interest margin | 3.59% |
| Efficiency ratio | 73.65% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.02% |
| Core deposits to total deposits | 83.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.60% |
| Securities to assets | 43.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.36% | 15.36% | 16.14% | 10.40% | 0.53% |
| Q4 2023 | 14.80% | 14.80% | 15.56% | 10.44% | 0.46% |
| Q1 2024 | 15.04% | 15.04% | 15.82% | 10.69% | 0.32% |
| Q2 2024 | 15.32% | 15.32% | 16.10% | 11.06% | 0.43% |
| Q3 2024 | 14.95% | 14.95% | 15.70% | 11.05% | 0.41% |
| Q4 2024 | 15.06% | 15.06% | 15.83% | 10.56% | 0.45% |
| Q1 2025 | 14.70% | 14.70% | 15.45% | 10.62% | 0.24% |
| Q2 2025 | 15.01% | 15.01% | 15.76% | 10.86% | 0.65% |
| Q3 2025 | 14.47% | 14.47% | 15.20% | 10.83% | 0.43% |
| Q4 2025 | 14.36% | 14.36% | 15.10% | 10.31% | 0.88% |
| Q1 2026 | 14.34% | 14.34% | 15.09% | 10.28% | 0.67% |
| Q2 2026 | 14.22% | 14.22% | 14.99% | 10.53% | 0.78% |
Security Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)