Security Federal Savings Bank of McMinnville
Also written as SFSB of McMinnville
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Data as of · sourced from FFIEC call reports. How we update
Security Federal Savings Bank of McMinnville is an FDIC-insured commercial bank headquartered in McMinnville, TN, supervised by the FDIC, with $386.0M in total assets at Q2 2026, up 0.5% from Q2 2025, the 63rd largest of 109 banks headquartered in Tennessee. It was established in 1959 and holds FDIC certificate 31146. Its CET1 capital ratio was 15.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31146
- Headquarters
- McMinnville, TN
- Established
- 1959
- Total assets, Q2 2026
- $386.0M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 15.12%
- Domestic offices
- 3 · Security Federal Savings Bank of McMinnville branches FDIC institution directory, current count
- Routing number
- 264171500
- Safety and soundness
- Is Security Federal Savings Bank of McMinnville safe?
- Latest call report
- Q2 2026, FFIEC 041 · Security Federal Savings Bank of McMinnville Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- SECURITY BANCORP, INC.
- Asset rank in state
- 63rd of 109 in Tennessee
Security Federal Savings Bank of McMinnville, based in Mcminnville, Tennessee, reported $386 million in assets at June 30, 2026. It lost 4.3% of its deposits over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.6 million, 31% above the same quarter a year earlier. Over the same year, loans grew 10.2% and deposits shrank 4.3%. Funding is the softer spot: it pays an average of 2.34% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Security Federal Savings Bank of McMinnville reported a CET1 capital ratio of 15.12%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 1.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Security Federal Savings Bank of McMinnville is the 63rd largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $386.0M, loans rose 1.0% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.0% of total loans, ahead of owner-occupied commercial real estate loans at 14.6%. The FDIC Summary of Deposits lists 3 offices for it, in Mcminnville, TN, Mc Minnville, TN and Morrison, TN; its Mcminnville office books 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, Security Federal Savings Bank of McMinnville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 306 W Main St, McMinnville, TN 37110
- County
- Warren
- Metro Area
- McMinnville, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1959
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $327.6M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $58K
- Average total assets
- $379.2M
- Average total loans
- $312.2M
- Average interest-bearing deposits
- $281.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31146
- Fed RSSD
- 631178
- SEC CIK
- 1036124 → filed by SECURITY BANCORP, INC.
- Website
- www.secfed.net →
- Parent Holding Company
- SECURITY BANCORP, INC. (RSSD 3842069)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security Federal Savings Bank of McMinnville's total assets ranged from $307.1M (Q3 2023) to $391.7M (Q1 2025), 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
$386.0M total assets against $384.0M; $341.7M total liabilities against $346.0M.
$311.1M net loans and leases against $282.1M; $327.6M total deposits against $342.3M.
$31.5M securities against $37.9M; $30.2M cash and balances due against $52.0M.
$5.8M total interest income against $5.6M; $1.9M total interest expense against $2.4M.
$3.9M net interest income against $3.2M.
$524K total noninterest income against $476K; $2.1M total noninterest expense against $2.0M.
$45K provision for credit losses against $0.
$1.6M net income against $1.3M.
1.74% return on assets against 1.30%; 4.23% net interest margin against 3.39%.
15.12% CET1 capital ratio against 13.83%; 11.91% tier 1 leverage ratio against 10.10%.
Inside the full Security Federal Savings Bank of McMinnville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Federal Savings Bank of McMinnville rankings
Its closest position to the top of a national ranking is 701 of 3,606, for efficiency ratio; its furthest is 2,261 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.10% (Q1 2025) to 1.84% (Q4 2025) and its net interest margin ran from 3.21% (Q1 2025) to 4.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.12% | 1.74% | 0.00% | 1.99% | 4.23% |
| Q1 2026 | 14.73% | 1.55% | 0.23% | 1.55% | 4.07% |
| Q4 2025 | 14.50% | 1.84% | 0.00% | 0.01% | 3.98% |
| Q3 2025 | 14.14% | 1.58% | 0.01% | 0.04% | 3.81% |
| Q2 2025 | 13.83% | 1.30% | 0.06% | 0.42% | 3.39% |
| Q1 2025 | 13.74% | 1.10% | 0.01% | 0.07% | 3.21% |
| Q4 2024 | 14.06% | 1.27% | 0.05% | 0.36% | 3.41% |
| Q3 2024 | 13.69% | 1.22% | 0.00% | 0.01% | 3.51% |
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 Federal Savings Bank of McMinnville (main office) | Mcminnville , TN | 37110 | $280.9M |
| Mcminnville Branch | Mc Minnville , TN | 37110 | $33.7M |
| Manchester Hwy Branch | Morrison , TN | 37357 | $12.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 90 of 165 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 Federal Savings Bank of McMinnville
What are Security Federal Savings Bank of McMinnville's total assets?
As of the Q2 2026 filing, Security Federal Savings Bank of McMinnville reported total assets of $386.0 million in its FFIEC call report.
Where is Security Federal Savings Bank of McMinnville headquartered?
It is headquartered in McMinnville, TN, United States.
When was Security Federal Savings Bank of McMinnville founded?
It was established in 1959, per the FDIC institution directory.
Is Security Federal Savings Bank of McMinnville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Federal Savings Bank of McMinnville?
Security Federal Savings Bank of McMinnville's primary federal regulator is the FDIC.
What is Security Federal Savings Bank of McMinnville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Federal Savings Bank of McMinnville 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 Federal Savings Bank of McMinnville's Texas Ratio?
Its Texas Ratio is 1.99% 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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