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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 52.54 percentage points higher than in Q1 2026, at 1260.87%. Within Kentucky, Security Bank and Trust Company is 12th of 119 on return on assets, 2.09% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, Security Bank and Trust Company reported 2.09% on return on assets in Q2 2026, 1.11 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.74% |
| Equity capital to assets | 15.76% |
| Tangible equity to tangible assets | 15.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.34% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 1260.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.09% |
| Return on equity | 13.45% |
| Net interest margin | 3.82% |
| Efficiency ratio | 46.17% |
| Yield on earning assets | 4.44% |
| Cost of funds | 0.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.97% |
| Core deposits to total deposits | 89.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.98% |
| Securities to assets | 56.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.67% | 1.33% | 2.95% | 0.13% | 0.00% |
| Q4 2023 | 15.12% | 1.34% | 2.96% | 0.13% | 0.00% |
| Q1 2024 | 14.60% | 1.60% | 3.12% | 0.12% | 0.00% |
| Q2 2024 | 15.30% | 1.79% | 3.32% | 0.11% | -0.03% |
| Q3 2024 | 15.88% | 1.57% | 3.28% | 0.11% | -0.01% |
| Q4 2024 | 15.48% | 1.59% | 3.34% | 0.11% | -0.01% |
| Q1 2025 | 15.63% | 1.43% | 3.27% | 0.10% | 0.00% |
| Q2 2025 | 15.59% | 1.77% | 3.52% | 0.09% | -0.01% |
| Q3 2025 | 16.36% | 1.80% | 3.52% | 0.09% | 0.00% |
| Q4 2025 | 15.77% | 1.97% | 3.68% | 0.09% | 0.00% |
| Q1 2026 | 15.79% | 1.91% | 3.70% | 0.09% | 0.00% |
| Q2 2026 | 15.74% | 2.09% | 3.82% | 0.08% | 0.00% |
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 8121) · FFIEC NIC profile (RSSD 835613)