Security Federal Savings Bank of McMinnville: 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: 72346.63 percentage points higher than in Q1 2026, at 72750.00%. Security Federal Savings Bank of McMinnville ranks 24th of 109 Tennessee banks on return on assets, in the upper half at 1.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Security Federal Savings Bank of McMinnville sits 0.48 points higher, at 1.74% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.20% |
| Tier 1 leverage ratio | 11.91% |
| Equity capital to assets | 11.47% |
| Tangible equity to tangible assets | 11.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.99% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 72750.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 15.11% |
| Net interest margin | 4.23% |
| Efficiency ratio | 48.91% |
| Yield on earning assets | 6.36% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.87% |
| Core deposits to total deposits | 84.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.87% |
| Securities to assets | 8.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.63% | 13.63% | 14.60% | 10.56% | 1.10% |
| Q4 2023 | 13.81% | 13.81% | 14.80% | 10.69% | 1.05% |
| Q1 2024 | 13.82% | 13.82% | 14.80% | 10.61% | 1.21% |
| Q2 2024 | 13.52% | 13.52% | 14.47% | 10.44% | 1.10% |
| Q3 2024 | 13.69% | 13.69% | 14.65% | 10.63% | 1.22% |
| Q4 2024 | 14.06% | 14.06% | 15.22% | 10.59% | 1.27% |
| Q1 2025 | 13.74% | 13.74% | 14.85% | 10.29% | 1.10% |
| Q2 2025 | 13.83% | 13.83% | 14.91% | 10.10% | 1.30% |
| Q3 2025 | 14.14% | 14.14% | 15.22% | 10.79% | 1.58% |
| Q4 2025 | 14.50% | 14.50% | 15.58% | 11.34% | 1.84% |
| Q1 2026 | 14.73% | 14.73% | 15.80% | 11.77% | 1.55% |
| Q2 2026 | 15.12% | 15.12% | 16.20% | 11.91% | 1.74% |
Security Federal Savings Bank of McMinnville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Savings Bank of McMinnville, 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 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)