BlastPoint's Banking Scorecard

Security Bank

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

Newbern, TN

6 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
Deposits +3.7% year over year ($191.8M on the books).
Delinquency rate 0.54%.
Return on assets 0.73%.
Efficiency ratio 76.33% vs a 64.48% peer average.
Loan-to-deposit ratio 54.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Security Bank has 2 strengths 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 27.1% in tier
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.2% in tier
- ROA 0.60% below tier average
- Net Interest Margin 0.55% below tier average
- Efficiency Ratio 11.85% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$224.1M +4.5% YoY -3.9% QoQ	-$162.5M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$104.2M +18.3% YoY +8.6% QoQ	-$154.1M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$191.8M +3.7% YoY -4.4% QoQ	-$134.9M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	0.73% +63.4% YoY +7.8% QoQ	-0.60%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	3.43% +18.6% YoY +3.0% QoQ	-0.55%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	76.33% -13.7% YoY -1.7% QoQ	+11.85%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	0.54% +2.7% YoY -42.5% QoQ	-0.38%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	54.35% +14.0% YoY +13.6% QoQ	-23.60%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	Top 12.1% in tier
Non-Interest-Bearing Deposit Share ?	19.62% -4.7% YoY -4.5% QoQ	-2.41%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.25% +16.2% YoY -35.0% QoQ	-0.42%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	14.22% -5.3% YoY -0.8% QoQ	-1.69%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.82% -9.7% YoY +98.2% QoQ	+0.25%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Top 4.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	19.6% -1.0pp YoY -0.9pp QoQ	-2.5pp	22.1%	18.8%	22.2%	43%
Brokered Deposits	n/a	n/a	7.9%	9.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	20.6% +3.1pp YoY +2.8pp QoQ	+9.1pp	11.6%	10.9%	12.5%	89%
CRE	40.4% -5.2pp YoY -4.0pp QoQ	+0.8pp	39.5%	42.4%	41.4%	54%
1-4 Family	20.1% +2.0pp YoY +1.2pp QoQ	-12.5pp	32.6%	39.8%	31.3%	30%
Consumer	3.3% -0.1pp YoY -0.6pp QoQ	-0.8pp	4.1%	4.5%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	14.2% -0.8pp YoY -0.1pp QoQ	-4.6pp	18.8%	14.8%	19.7%	41%
Leverage Ratio	10.5% -0.3pp YoY +0.2pp QoQ	-1.6pp	12.2%	11.4%	12.6%	42%
Total Capital Ratio	15.0% -0.8pp YoY -0.1pp QoQ	-4.9pp	19.9%	15.9%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	78 -1 (-1.3%) YoY +4 (+5.4%) QoQ	+19	58	270	482	76%
Assets per Employee ($)	$2.9M +5.8% YoY -8.9% QoQ	-$4.6M	$7.5M	$7.1M	$8.8M	1%
Branch Count	6 -1 (-14.3%) YoY 0 QoQ	+1	4	17	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.5% 0.0pp YoY -0.4pp QoQ	-0.4pp	0.9%	0.7%	1.0%	55%
Allowance Coverage	2.27x -10.2% YoY +65.4% QoQ	-21.89x	24.15x	28.97x	20.23x	51%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	7.6% +2.7pp YoY +0.5pp QoQ	-4.6pp	12.2%	10.9%	11.6%	23%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	2.0%	1.7%	28%
Net Income ($, YTD)	$832,000 +73.0% YoY — QoQ	-$1.7M	$2.6M	$16.7M	$40.4M	21%

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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

#180 of 661 • Top 27.1% 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: 0.82%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.73%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#280 of 1256 • Bottom 22.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.54%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

123

Non-Interest Income / Assets

revenue_mix

Value: 0.82%

Peer Median: 0.57%

#123 of 2643 Top 4.6% in $100M-$1B

320

Loan-to-Deposit Ratio

liquidity

Value: 54.35%

Peer Median: 77.95%

#320 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (4 metrics)

2160

Efficiency Ratio

profitability

Value: 76.33%

Peer Median: 64.48%

#2160 of 2643 Bottom 18.3% in $100M-$1B

2115

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.32%

#2115 of 2643 Bottom 20.0% in $100M-$1B

2111

Total Loans

size

Value: $104.25M

Peer Median: $258.35M

#2111 of 2643 Bottom 20.2% in $100M-$1B

1997

Net Interest Margin

profitability

Value: 3.43%

Peer Median: 3.99%

#1997 of 2643 Bottom 24.5% in $100M-$1B