Security Federal Savings Bank of McMinnville: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Federal Savings Bank of McMinnville of McMinnville, TN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.74% | 1.34% | +0.40% | 75th top |
| ROAE | 15.11% | 13.32% | +1.79% | 66th above |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 66th above |
| Efficiency Ratio | 48.91% | 61.14% | -12.23% | 83rd top |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 6.36% | 5.67% | +0.69% | 83rd top |
| Cost of Funds | 2.34% | 1.88% | +0.46% | 20th bottom |
| Net Interest Spread | 3.62% | 3.32% | +0.30% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 86th top |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 38th below |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) | 72750.00% | 1517.01% | +71232.99% | — |
| Texas Ratio | 1.99% | 7.34% | -5.35% | 63rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 155.17% | 1395.57% | -1240.40% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 19.49% | -4.37% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 19.52% | -4.40% | 50th above |
| Total Capital Ratio | 16.20% | 20.61% | -4.41% | 49th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.91% | 12.14% | -0.23% | 64th above |
| Equity / Assets | 11.47% | 11.36% | +0.11% | 66th above |
| TCE / Tangible Assets | 11.47% | 11.08% | +0.39% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.87% | 80.66% | +15.21% | 17th bottom |
| Core Deposit Ratio | 84.52% | 86.85% | -2.33% | 29th below |
| Wholesale Funding Ratio | 2.59% | 5.04% | -2.45% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.51% | 6.84% | -6.33% | 22nd bottom |
| Loan Growth (Y/Y) | 10.25% | 7.92% | +2.33% | 74th above |
| Deposit Growth (Y/Y) | -4.30% | 6.29% | -10.59% | 8th bottom |
See Security Federal Savings Bank of McMinnville's peers by name
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Unlock Security Federal Savings Bank of McMinnville, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Security Federal Savings Bank of McMinnville profile, how to read a UBPR, or how this data updates.