BlastPoint's Banking Scorecard
Security Federal Savings Bank of McMinnville
Mcminnville, TN
3 branches across TN
Security Federal Savings Bank of McMinnville has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio 14.14% below tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 31.3% in tier
- - Deposit Outflow: Bottom 37.4% in tier
- - Capital Constraint: Bottom 38.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$378.5M
-3.4% YoY
-0.8% QoQ
|
-$7.6M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$308.0M
+11.5% YoY
+2.7% QoQ
|
+$52.3M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$331.3M
-5.5% YoY
+4.5% QoQ
|
+$3.4M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
1.52%
+38.5% YoY
+4.4% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.03%
+24.5% YoY
+10.6% QoQ
|
+0.10% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
51.15%
-14.6% YoY
-4.8% QoQ
|
-14.14% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? | 0.23% | -0.66% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
92.97%
+18.0% YoY
-1.7% QoQ
|
+16.33% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
15.24%
+7.5% YoY
-1.1% QoQ
|
-6.78% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? | 0.19% | -0.45% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
14.73%
+7.2% YoY
+1.6% QoQ
|
-1.10% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.12%
-6.1% YoY
-78.8% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
61% |
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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 (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.