Security Bank and Trust Company (Maysville, KY)
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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 Maysville, KY, established in 1928 (FDIC certificate 8121), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $71.8M, up 1.5% from Q2 2025, the 109th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8121
- Headquarters
- Maysville, KY
- Established
- 1928
- Total assets, Q2 2026
- $71.8M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 15.74%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042107657
- Latest call report
- Q2 2026, FFIEC 051 · Security Bank and Trust Company call report
- Holding company
- SECURITY BANCORP OF MAYSVILLE, INC.
- Asset rank in state
- 109th of 120 in Kentucky
Problem loans are rising at Security Bank and Trust Company. The Maysville, Kentucky bank had $72 million in assets at June 30, 2026, up 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.86% of loans from 0.09% a year earlier. It spends about 46 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also pays an average of 0.72% on its deposits and borrowings, about half the median of 1.53% for banks its size.
Net income for the quarter rose 18% from a year earlier, to $376,000. Over the same year, loans shrank 9.6% and deposits grew 5.3%.
As of June 30, 2026, Security Bank and Trust Company reported a return on assets of 2.09%, a nonperforming-loan ratio of 1.86% and a Texas ratio of 4.34%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Security Bank and Trust Company is the 109th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $71.8M, loans fell 0.1% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.4% of total loans, followed by owner-occupied commercial real estate loans at 15.4%. The FDIC Summary of Deposits lists 3 offices for it, in Maysville, KY. Judged on its Q2 2026 call report, Security Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 W 2nd St, Maysville, KY 41056
- County
- Mason
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1928
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $60.3M
- Allowance for credit losses
- $290K
- Net charge-offs (YTD)
- $0
- Average total assets
- $71.9M
- Average total loans
- $27.1M
- Average interest-bearing deposits
- $43.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8121
- Fed RSSD
- 835613
- Parent Holding Company
- SECURITY BANCORP OF MAYSVILLE, INC. (RSSD 2952484)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Security Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security Bank and Trust Company's total assets ranged from $67.9M (Q3 2025) to $74.2M (Q1 2024), 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
$71.8M total assets against $70.7M; $60.5M total liabilities against $59.5M.
$26.8M net loans and leases against $29.7M; $60.3M total deposits against $57.2M.
$40.6M securities against $35.4M; $3.3M cash and balances due against $4.6M.
$777K total interest income against $722K; $109K total interest expense against $134K.
$668K net interest income against $588K.
$46K total noninterest income against $49K; $330K total noninterest expense against $315K.
No provision recorded in the last 12 quarters.
$376K net income against $318K.
2.09% return on assets against 1.77%; 3.82% net interest margin against 3.52%.
15.74% tier 1 leverage ratio against 15.59%.
Inside the full Security Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.43% (Q1 2025) to 2.09% (Q2 2026) and its net interest margin ran from 3.27% (Q1 2025) to 3.82% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.74% | 2.09% | 1.86% | 4.34% | 3.82% |
| Q1 2026 | 15.79% | 1.91% | 0.09% | 0.21% | 3.70% |
| Q4 2025 | 15.77% | 1.97% | 0.09% | 0.23% | 3.68% |
| Q3 2025 | 16.36% | 1.80% | 0.14% | 0.34% | 3.52% |
| Q2 2025 | 15.59% | 1.77% | 0.09% | 0.24% | 3.52% |
| Q1 2025 | 15.63% | 1.43% | 0.10% | 0.26% | 3.27% |
| Q4 2024 | 15.48% | 1.59% | 0.17% | 0.44% | 3.34% |
| Q3 2024 | 15.88% | 1.57% | 0.18% | 0.44% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Co. | Maysville , KY | 41056 | $41.2M |
| U.S. 68 Branch | Maysville , KY | 41056 | $17.7M |
| Drive-In Branch | Maysville , KY | 41056 | $1.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 135 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $71.8 million in its FFIEC call report.
Where is Security Bank and Trust Company headquartered?
It is headquartered in Maysville, KY, United States.
When was Security Bank and Trust Company founded?
It was established in 1928, per the FDIC institution directory.
Is Security Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8121). 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.
How many branches does Security Bank and Trust Company operate?
It operates 3 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 4.34% 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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