Security Bank and Trust Company (Paris, TN)
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Data as of · sourced from FFIEC call reports. How we update
Security Bank and Trust Company is an FDIC-insured commercial bank headquartered in Paris, TN, established in 1905 (FDIC certificate 9172), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.70B, up 14.7% from Q2 2025, the 16th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9172
- Headquarters
- Paris, TN
- Established
- 1905
- Total assets, Q2 2026
- $1.70B
- Assets vs Q2 2025
- +14.7%
- CET1 ratio, Q2 2026
- 14.09%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 084303545
- Latest call report
- Q2 2026, FFIEC 051 · Security Bank and Trust Company call report
- Holding company
- SECURITY BANCSHARES, INC.
- Asset rank in state
- 16th of 109 in Tennessee
Security Bank and Trust Company, based in Paris, Tennessee, reported $1.7 billion in assets at June 30, 2026, up 14.7% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also grew its loan book 19.3% over the year, about triple the median of 5.9% for banks its size.
Funding is the softer spot: it pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Security Bank and Trust Company reported a CET1 capital ratio of 14.09%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.12%. The figures come from its call report filed with the FFIEC.
Security Bank and Trust Company ranks as the 16th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 6.1% to $1.70B, loans rose 4.1% and deposits rose 5.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 25.4% of total loans, followed by non-owner-occupied commercial real estate loans at 18.6%. Its 15 offices in the FDIC Summary of Deposits are in 11 cities in TN; its Paris 3 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, Security Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 210 W Washington St, Paris, TN 38242
- County
- Henry
- Metro Area
- Paris, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 169
- Domestic deposits
- $1.43B
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $1.65B
- Average total loans
- $1.18B
- Average interest-bearing deposits
- $1.26B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9172
- Fed RSSD
- 118156
- SEC CIK
- 1838580 → filed by SECURITY BANCSHARES, INC.
- Website
- www.securitybanktn.com →
- Parent Holding Company
- SECURITY BANCSHARES, INC. (RSSD 5473421)
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 and Trust Company's total assets ranged from $1.17B (Q3 2023) to $1.70B (Q2 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
$1.70B total assets against $1.48B; $1.52B total liabilities against $1.32B.
$1.20B net loans and leases against $1.01B; $1.43B total deposits against $1.23B.
$383.0M securities against $354.7M; $18.8M cash and balances due against $21.9M.
$22.6M total interest income against $20.7M; $9.2M total interest expense against $8.6M.
$13.4M net interest income against $12.1M.
$1.2M total noninterest income against $2.2M; $6.6M total noninterest expense against $6.4M.
No provision recorded in the last 12 quarters.
$6.9M net income against $6.5M.
1.66% return on assets against 1.75%; 3.62% net interest margin against 3.62%.
14.09% CET1 capital ratio against 14.49%; 10.92% tier 1 leverage ratio against 11.14%.
Inside the full Security Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Security Bank and Trust Company rankings
Its closest position to the top of a national ranking is 279 of 3,606, for efficiency ratio; its furthest is 3,212 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.22% (Q4 2025) to 1.75% (Q2 2025) and its net interest margin ran from 3.05% (Q3 2024) to 3.75% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.09% | 1.66% | 0.02% | 0.12% | 3.62% |
| Q1 2026 | 14.33% | 1.57% | 0.03% | 0.17% | 3.64% |
| Q4 2025 | 14.73% | 1.22% | 0.03% | 0.21% | 3.75% |
| Q3 2025 | 14.75% | 1.59% | 0.05% | 0.33% | 3.51% |
| Q2 2025 | 14.49% | 1.75% | 0.07% | 0.42% | 3.62% |
| Q1 2025 | 14.56% | 1.31% | 0.08% | 0.48% | 3.39% |
| Q4 2024 | 14.51% | 1.36% | 0.11% | 0.68% | 3.17% |
| Q3 2024 | 14.35% | 1.39% | 0.01% | 0.06% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Security Bank and Trust Company (main office) | Paris , TN | 38242 | $586.1M |
| Reelfoot Bank Branch | Union City , TN | 38261 | $236.0M |
| Martin Branch | Martin , TN | 38237 | $170.3M |
| North Jefferson Branch | Ripley , TN | 38063 | $138.1M |
| Dyer Branch | Dyer , TN | 38330 | $95.6M |
| Milan Branch | Milan , TN | 38358 | $47.6M |
| Bank of Ripley Highway 51 Branch | Ripley , TN | 38063 | $36.5M |
| Bank of Tipton Branch | Covington , TN | 38019 | $34.0M |
| Humboldt Branch | Humboldt , TN | 38343 | $28.1M |
| Lakeway Shopping Center Branch | Paris , TN | 38242 | $16.7M |
| Paris Landing Branch | Buchanan , TN | 38222 | $14.1M |
| College Street Branch | Trenton , TN | 38382 | $13.9M |
| Mineral Wells Avenue Branch | Paris , TN | 38242 | $9.6M |
| Security Bank and Trust Company Branch | Jackson , TN | 38305 | $7.6M |
| Washington Street Facility | Ripley , TN | 38063 | $157K |
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 |
|---|---|---|---|
| December 10, 2024 | Structure Change | Acquired Bank of Ripley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2020 | Structure Change | Acquired The Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 25, 2017 | Structure Change | Acquired Reelfoot Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2014 | Structure Change | Acquired Security Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1986 | Structure Change | Acquired Farmers Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in TN, rank 30 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 176 applications, 126 loans originated, $165.1M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 and Trust Company
What are Security Bank and Trust Company's total assets?
As of the Q2 2026 filing, Security Bank and Trust Company reported total assets of $1.70 billion in its FFIEC call report.
Where is Security Bank and Trust Company headquartered?
It is headquartered in Paris, TN, United States.
When was Security Bank and Trust Company founded?
It was established in 1905, per the FDIC institution directory.
Is Security Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9172). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank and Trust Company?
Security Bank and Trust Company's primary federal regulator is the FDIC.
What is Security Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.09% 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 and Trust Company operate?
It operates 16 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 0.12% 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.
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