Security Bank and Trust Company: 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.
Reserve coverage of non-performing loans climbed 1057.62 percentage points in Q2 2026, from 690.73% to 1748.35%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Security Bank and Trust Company is 27th of 109 on return on assets, 1.66% as of Q2 2026, above the middle of the field. Security Bank and Trust Company reported 1.66% on return on assets for Q2 2026, 0.38 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.09% |
| Tier 1 risk-based capital ratio | 14.09% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 10.92% |
| Equity capital to assets | 10.75% |
| Tangible equity to tangible assets | 10.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.12% |
| Allowance for credit losses to loans | 0.26% |
| Reserve coverage of non-performing loans | 1748.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 15.28% |
| Net interest margin | 3.62% |
| Efficiency ratio | 42.03% |
| Yield on earning assets | 6.00% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.00% |
| Core deposits to total deposits | 81.71% |
| Brokered deposits to total deposits | 13.86% |
| Deposits to assets | 84.46% |
| Securities to assets | 22.55% |
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 | 14.04% | 14.04% | 14.42% | 10.62% | 1.40% |
| Q4 2023 | 14.16% | 14.16% | 14.52% | 10.68% | 1.30% |
| Q1 2024 | 14.01% | 14.01% | 14.36% | 10.53% | 1.15% |
| Q2 2024 | 14.13% | 14.13% | 14.48% | 10.61% | 1.17% |
| Q3 2024 | 14.35% | 14.35% | 14.69% | 10.91% | 1.39% |
| Q4 2024 | 14.51% | 14.51% | 14.81% | 12.10% | 1.36% |
| Q1 2025 | 14.56% | 14.56% | 14.85% | 10.85% | 1.31% |
| Q2 2025 | 14.49% | 14.49% | 14.78% | 11.14% | 1.75% |
| Q3 2025 | 14.75% | 14.75% | 15.03% | 11.25% | 1.59% |
| Q4 2025 | 14.73% | 14.73% | 15.01% | 11.43% | 1.22% |
| Q1 2026 | 14.33% | 14.33% | 14.59% | 11.14% | 1.57% |
| Q2 2026 | 14.09% | 14.09% | 14.34% | 10.92% | 1.66% |
Security Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9172) · FFIEC NIC profile (RSSD 118156)