Security Bank and Trust Company: 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.
Cre concentration (tier 1 capital + allowance) climbed 14.92 percentage points in Q2 2026, from 221.89% to 236.80%. It was the largest change from Q1 2026 among the key lines here. Security Bank and Trust Company ranks 53rd of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 84.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Security Bank and Trust Company sits 4.20 points lower, at 84.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.20B |
| Net loans and leases | $1.20B |
| Loans held for sale | $0 |
| Loans to total assets | 70.95% |
| Loan-to-deposit ratio | 84.00% |
| Net loans to equity capital | 6.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.62% |
| Multifamily (5+ residential) | 6.77% |
| Commercial and industrial | 25.37% |
| Consumer | 1.90% |
| Credit cards | 0.00% |
| Farm | 4.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 9.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 236.80% |
| Construction concentration (Tier 1 capital + allowance) | 70.26% |
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 | 6.30% |
| Interest income on loans | $18.1M |
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 | $771.2M | $1.02B | 22.97% | 32.75% | 0.95% |
| Q4 2023 | $788.3M | $1.02B | 22.32% | 30.19% | 0.93% |
| Q1 2024 | $815.0M | $1.06B | 24.47% | 29.98% | 0.75% |
| Q2 2024 | $842.1M | $1.04B | 23.58% | 29.89% | 1.33% |
| Q3 2024 | $847.2M | $1.02B | 22.93% | 27.99% | 1.35% |
| Q4 2024 | $951.2M | $1.27B | 23.73% | 25.48% | 3.53% |
| Q1 2025 | $957.8M | $1.24B | 23.49% | 25.79% | 3.37% |
| Q2 2025 | $1.01B | $1.23B | 23.54% | 24.59% | 2.73% |
| Q3 2025 | $1.03B | $1.26B | 22.34% | 25.02% | 2.58% |
| Q4 2025 | $1.08B | $1.31B | 23.42% | 25.65% | 2.40% |
| Q1 2026 | $1.16B | $1.36B | 23.83% | 26.72% | 2.07% |
| Q2 2026 | $1.20B | $1.43B | 24.62% | 25.37% | 1.90% |
Security Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9172) · FFIEC NIC profile (RSSD 118156)