BlastPoint's Banking Scorecard

Security Bank

$100M-$1B Specialty: Commercial TN FDIC cert 2391

Newbern, TN

6 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Security Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 24.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.60% below tier average
- Net Interest Margin 0.60% below tier average
- Efficiency Ratio 12.37% above tier average
- Delinquency Rate 0.06% above tier average

Get updates when Security Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$233.2M +6.3% YoY +1.5% QoQ	-$152.9M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$96.0M +14.3% YoY +4.5% QoQ	-$159.7M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$200.7M +5.2% YoY +1.6% QoQ	-$127.3M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	0.67% +181.5% YoY +21.7% QoQ	-0.60%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	3.33% +23.5% YoY +8.3% QoQ	-0.60%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	77.66% -15.7% YoY -6.2% QoQ	+12.37%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.94% -4.0% YoY +77.8% QoQ	+0.06%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	47.83% +8.7% YoY +2.9% QoQ	-28.80%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Top 7.8% in tier
Non-Interest-Bearing Deposit Share ?	20.54% +9.3% YoY +7.6% QoQ	-1.48%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.39% +3.3% YoY +83.2% QoQ	-0.25%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	14.34% -2.4% YoY -0.1% QoQ	-1.49%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.41% -6.3% YoY -76.3% QoQ	+0.13%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 4.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#163 of 666 • Top 24.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.41%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.67%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

115

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.28%

#115 of 2664 Top 4.3% in $100M-$1B

209

Loan-to-Deposit Ratio

liquidity

Value: 47.83%

Peer Median: 76.64%

#209 of 2664 Top 7.8% in $100M-$1B

Top Weaknesses (4 metrics)

2177

Total Loans

size

Value: $96.00M

Peer Median: $255.72M

#2177 of 2664 Bottom 18.3% in $100M-$1B

2175

Efficiency Ratio

profitability

Value: 77.66%

Peer Median: 65.29%

#2175 of 2664 Bottom 18.4% in $100M-$1B

2135

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.27%

#2135 of 2664 Bottom 19.9% in $100M-$1B

2047

Net Interest Margin

profitability

Value: 3.33%

Peer Median: 3.93%

#2047 of 2664 Bottom 23.2% in $100M-$1B