BlastPoint's Banking Scorecard
Security Bank and Trust Company
Designations: ✓ Community bank
Paris, TN
16 branches across TN
Security Bank and Trust Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.86% below tier average
- + Nonperforming Asset Ratio 0.66% below tier average
- + ROA 0.21% above tier average
- + Efficiency Ratio 13.94% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+9.6% YoY
+3.0% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$1.2B
+20.9% YoY
+7.1% QoQ
|
-$810.5M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$1.4B
+9.9% YoY
+3.4% QoQ
|
-$983.9M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
1.57%
+19.9% YoY
+7.0% QoQ
|
+0.21% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.47%
+6.6% YoY
+0.9% QoQ
|
-0.35% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
47.12%
-6.3% YoY
-4.8% QoQ
|
-13.94% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Top 14.3% in tier |
| Delinquency Rate ? |
0.03%
-67.8% YoY
-25.7% QoQ
|
-0.86% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 4.5% in tier |
| Loan-to-Deposit Ratio ? |
84.92%
+10.1% YoY
+3.5% QoQ
|
+0.71% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
10.94%
-12.1% YoY
+1.0% QoQ
|
-10.35% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.8% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-64.5% YoY
-22.8% QoQ
|
-0.66% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 4.8% in tier |
| Tier 1 Capital Ratio ? |
14.33%
-1.5% YoY
-2.7% QoQ
|
-0.83% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.07%
-2.6% YoY
-81.3% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.