Security Bank and Trust Company (Paris, TN): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Security Bank and Trust Company is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $1.7B in assets, including $1.2B in loans. Returns are notably above industry norms: 1.66% ROA, 15.28% ROE, and 3.62% NIM. Capital cushions are healthy: 14.09% CET1, 10.92% Tier 1 leverage. Asset quality is pristine, 0.02% NPLs and a 0.12% Texas Ratio. Its footprint covers 16 branches concentrated in Tennessee.
As of June 30, 2026, Security Bank and Trust Company reported a CET1 capital ratio of 14.09%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.02%, a Texas ratio of 0.12%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 210 W Washington St, Paris, TN 38242
- County
- Henry
- Metro Area
- Paris, 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 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Offices
- 16 domestic
- Employees (FTE)
- 169
- Domestic deposits
- $1.43B
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $43K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9172
- Fed RSSD
- 118156
- SEC CIK
- 1838580 → filed by SECURITY BANCSHARES, INC.
- Website
- www.securitybanktn.com →
- Parent Holding Company
- SECURITY BANCSHARES, INC. (RSSD 5473421)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Security Bank and Trust Company terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Security Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Security Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.09% | 1.66% | 0.02% | 0.12% | 3.62% |
| Q1 2026 | 14.33% | 1.57% | 0.04% | 0.33% | 3.64% |
| Q4 2025 | 14.73% | 1.22% | 0.06% | 0.46% | 3.75% |
| Q3 2025 | 14.75% | 1.59% | 0.09% | 0.59% | 3.51% |
| Q2 2025 | 14.49% | 1.75% | 0.11% | 0.70% | 3.62% |
| Q1 2025 | 14.56% | 1.31% | 0.11% | 0.76% | 3.39% |
| Q4 2024 | 14.51% | 1.36% | 0.14% | 0.98% | 3.17% |
| Q3 2024 | 14.35% | 1.39% | 0.03% | 0.28% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Security Bank and Trust Company (main office) | Paris , TN | 38242 | $586.1M |
| Reelfoot Bank Branch | Union City , TN | 38261 | $236.0M |
| Martin Branch | Martin , TN | 38237 | $170.3M |
| North Jefferson Branch | Ripley , TN | 38063 | $138.1M |
| Dyer Branch | Dyer , TN | 38330 | $95.6M |
| Milan Branch | Milan , TN | 38358 | $47.6M |
| Bank of Ripley Highway 51 Branch | Ripley , TN | 38063 | $36.5M |
| Bank of Tipton Branch | Covington , TN | 38019 | $34.0M |
| Humboldt Branch | Humboldt , TN | 38343 | $28.1M |
| Lakeway Shopping Center Branch | Paris , TN | 38242 | $16.7M |
| Paris Landing Branch | Buchanan , TN | 38222 | $14.1M |
| College Street Branch | Trenton , TN | 38382 | $13.9M |
| Mineral Wells Avenue Branch | Paris , TN | 38242 | $9.6M |
| Security Bank and Trust Company Branch | Jackson , TN | 38305 | $7.6M |
| Washington Street Facility | Ripley , TN | 38063 | $157K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 10, 2024 | Structure Change | Acquired Bank of Ripley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2020 | Structure Change | Acquired The Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 25, 2017 | Structure Change | Acquired Reelfoot Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2014 | Structure Change | Acquired Security Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1986 | Structure Change | Acquired Farmers Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Security Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in TN, rank 30 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 176 applications, 126 loans originated, $165.1M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Security Bank and Trust Company
What are Security Bank and Trust Company's total assets?
As of the Q2 2026 filing, Security Bank and Trust Company reported total assets of $1.70 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Security Bank and Trust Company headquartered?
Security Bank and Trust Company is headquartered in Paris, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Security Bank and Trust Company founded?
Security Bank and Trust Company was established in 1905, per the FDIC institution directory.
Is Security Bank and Trust Company FDIC-insured?
Yes. Security Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #9172). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank and Trust Company?
Security Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Security Bank and Trust Company's CET1 capital ratio?
Security Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 14.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Bank and Trust Company operate?
Security Bank and Trust Company operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security Bank and Trust Company's Texas Ratio?
Security Bank and Trust Company's Texas Ratio is 0.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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