Security Federal Savings Bank of McMinnville: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.03 percentage points in Q2 2026, from 93.83% to 95.87%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Security Federal Savings Bank of McMinnville is 18th of 109 on loan-to-deposit ratio, 95.87% as of Q2 2026, above the middle of the field. Security Federal Savings Bank of McMinnville reported 95.87% on loan-to-deposit ratio for Q2 2026, 15.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $314.0M |
| Net loans and leases | $311.1M |
| Loans held for sale | $0 |
| Loans to total assets | 81.37% |
| Loan-to-deposit ratio | 95.87% |
| Net loans to equity capital | 7.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.40% |
| Multifamily (5+ residential) | 2.92% |
| Commercial and industrial | 13.06% |
| Consumer | 5.21% |
| Credit cards | 0.00% |
| Farm | 4.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.58% |
| Construction concentration (Tier 1 capital + allowance) | 60.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $5.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $235.3M | $274.8M | 22.43% | 11.89% | 6.40% |
| Q4 2023 | $237.8M | $289.8M | 21.24% | 12.15% | 6.66% |
| Q1 2024 | $241.2M | $300.6M | 21.32% | 12.91% | 6.67% |
| Q2 2024 | $255.2M | $297.9M | 20.04% | 14.40% | 6.61% |
| Q3 2024 | $264.7M | $304.9M | 19.90% | 14.36% | 6.65% |
| Q4 2024 | $266.8M | $320.6M | 21.05% | 14.59% | 6.52% |
| Q1 2025 | $279.1M | $350.7M | 20.15% | 14.90% | 5.95% |
| Q2 2025 | $284.9M | $342.3M | 19.85% | 14.37% | 6.77% |
| Q3 2025 | $296.3M | $328.0M | 20.27% | 14.86% | 6.46% |
| Q4 2025 | $302.8M | $317.1M | 20.32% | 14.39% | 5.29% |
| Q1 2026 | $310.9M | $331.3M | 21.44% | 12.84% | 5.17% |
| Q2 2026 | $314.0M | $327.6M | 20.40% | 13.06% | 5.21% |
Security Federal Savings Bank of McMinnville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Savings Bank of McMinnville, freeSource: Call Report Schedule RC-C, 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 Federal Savings Bank of McMinnville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31146) · FFIEC NIC profile (RSSD 631178)