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Security Federal Savings Bank of McMinnville

$100M-$1B Specialty: Commercial TN FDIC cert 31146

Mcminnville, TN

3 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 -4.3% year over year ($327.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.62%.
  • Efficiency ratio 50.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.98% 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 Federal Savings Bank of McMinnville has 4 strengths but faces 2 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

  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.14% above tier average
  • + Efficiency Ratio 14.47% below tier average
  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 36.1% in tier
  • - Capital Constraint: Bottom 54.2% in tier
Get updates when Security Federal Savings Bank of McMinnville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $386.0M
+0.5% YoY +2.0% QoQ
-$600K $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $311.1M
+10.3% YoY +1.0% QoQ
+$52.8M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $327.6M
-4.3% YoY -1.1% QoQ
+$844K $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.62%
+33.6% YoY +6.5% QoQ
+0.30% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 4.13%
+22.4% YoY +2.4% QoQ
+0.14% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 50.01%
-12.6% YoY -2.2% QoQ
-14.47% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
83%
Delinquency Rate ? 0.00%
-97.9% YoY -99.4% QoQ
-0.92% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Top 12.0% in tier
Loan-to-Deposit Ratio ? 94.98%
+15.3% YoY +2.2% QoQ
+17.03% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 15.44%
+3.0% YoY +1.3% QoQ
-6.59% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.24%
+444.3% YoY +29.4% QoQ
-0.43% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 15.12%
+9.3% YoY +2.6% QoQ
-0.79% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.25%
-0.2% YoY +114.3% QoQ
-0.32% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
63%

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 15.4%
+0.5pp YoY
+0.2pp QoQ
 -6.7pp 22.1% 18.8% 22.2% 26%
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 13.2%
-1.3pp YoY
+0.2pp QoQ
 +1.6pp 11.6% 10.9% 12.5% 69%
CRE 32.9%
+1.0pp YoY
+0.1pp QoQ
 -6.6pp 39.5% 42.4% 41.4% 40%
1-4 Family 45.4%
+2.3pp YoY
0.0pp QoQ
 +12.8pp 32.6% 39.8% 31.3% 78%
Consumer 5.3%
-1.6pp YoY
0.0pp QoQ
 +1.1pp 4.1% 4.5% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 15.1%
+1.3pp YoY
+0.4pp QoQ
 -3.7pp 18.8% 14.8% 19.7% 50%
Leverage Ratio 11.9%
+1.8pp YoY
+0.1pp QoQ
 -0.3pp 12.2% 11.4% 12.6% 64%
Total Capital Ratio 16.2%
+1.3pp YoY
+0.4pp QoQ
 -3.7pp 19.9% 15.9% 20.8% 49%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 49
0 YoY
0 QoQ
 -10 58 270 482 52%
Assets per Employee ($) $7.9M
+0.5% YoY
+2.0% QoQ
 +$359K $7.5M $7.1M $8.8M 66%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

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 0.0%
-0.1pp YoY
-0.2pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 0%
Allowance Coverage 727.50x
+4401.1% YoY
+17935.7% QoQ
 +703.35x 24.15x 28.97x 20.23x 99%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 14.4%
+1.9pp YoY
+0.8pp QoQ
 +2.2pp 12.2% 10.9% 11.6% 64%
Cost of Funds (YTD) 2.1%
-0.6pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 77%
Net Income ($, YTD) $3.1M
+34.9% YoY
— QoQ
 +$536K $2.6M $16.7M $40.4M 71%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#194 of 535 • Bottom 36.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Capital Constraint

risk
#59 of 107 • Bottom 54.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 94.98%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.12%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

317
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#317 of 2633 Top 12.0% in $100M-$1B
447
Efficiency Ratio
profitability
Value: 50.01%
Peer Median: 64.48%
#447 of 2643 Top 16.9% in $100M-$1B

Top Weaknesses (1 metrics)

2214
Loan-to-Deposit Ratio
liquidity
Value: 94.98%
Peer Median: 77.95%
#2214 of 2643 Bottom 16.3% in $100M-$1B
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