Security Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank and Trust Company of Paris, TN against its peer group of 927 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 | 1.66% | 1.46% | +0.20% | 75th top |
| ROAE | 15.28% | 12.69% | +2.59% | 74th above |
| Net Interest Margin | 3.62% | 3.85% | -0.23% | 43rd below |
| Efficiency Ratio | 42.03% | 57.41% | -15.38% | 90th top |
| PPNR / Avg Assets | 1.93% | 1.88% | +0.05% | 64th above |
| Yield on Earning Assets | 6.00% | 5.72% | +0.28% | 76th top |
| Cost of Funds | 2.52% | 2.02% | +0.50% | 21st bottom |
| Net Interest Spread | 3.18% | 3.18% | +0.00% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 1.00% | -0.98% | 96th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 95th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 63rd above |
| ACL / Total Loans | 0.26% | 1.31% | -1.05% | 1st bottom |
| ACL / NPLs (Coverage) | 1748.35% | 563.56% | +1184.79% | — |
| Texas Ratio | 0.12% | 7.39% | -7.27% | 95th top |
| Provision / NCO | 0.00% | 619.03% | -619.03% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.09% | 17.34% | -3.25% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.09% | 17.37% | -3.28% | 60th above |
| Total Capital Ratio | 14.34% | 18.42% | -4.08% | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.92% | 11.44% | -0.52% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.75% | 11.34% | -0.59% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.40% | 10.50% | -0.10% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.00% | 86.96% | -2.96% | 61st above |
| Core Deposit Ratio | 81.71% | 85.56% | -3.85% | 25th below |
| Uninsured Deposit Ratio | 27.52% | 33.13% | -5.61% | 61st above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.16% | 5.70% | -1.54% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.74% | 9.68% | +5.06% | 87th top |
| Loan Growth (Y/Y) | 19.27% | 8.05% | +11.22% | 91st top |
| Deposit Growth (Y/Y) | 16.48% | 7.87% | +8.61% | 88th top |
See Security Bank and Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.