BlastPoint's Banking Scorecard
Security Bank and Trust Company
Designations: ✓ Community bank
Paris, TN
16 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
- Deposits +16.5% year over year ($1.4B on the books).
- Delinquency rate 0.02%.
- Return on assets 1.61%.
- Efficiency ratio 45.45% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.78% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Bank and Trust Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.85% below tier average
- + Nonperforming Asset Ratio 0.66% below tier average
- + ROA 0.22% above tier average
- + Efficiency Ratio 14.28% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+14.7% YoY
+6.1% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$1.2B
+19.3% YoY
+4.1% QoQ
|
-$761.5M |
$2.0B
-0.3% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$1.4B
+16.5% YoY
+5.5% QoQ
|
-$884.5M |
$2.3B
-0.5% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.61%
+5.1% YoY
+2.7% QoQ
|
+0.22% |
1.39%
+17.0% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.46%
+2.1% YoY
-0.2% QoQ
|
-0.41% |
3.87%
+6.2% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
45.45%
-2.5% YoY
-3.5% QoQ
|
-14.28% |
59.73%
-12.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
Top 12.8% in tier |
| Delinquency Rate ? |
0.02%
-72.6% YoY
-27.3% QoQ
|
-0.85% |
0.87%
+11.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Top 5.3% in tier |
| Loan-to-Deposit Ratio ? |
83.78%
+2.4% YoY
-1.3% QoQ
|
-1.26% |
85.04%
-0.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
10.14%
-13.8% YoY
-7.3% QoQ
|
-11.13% |
21.27%
-1.5% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.1% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-71.5% YoY
-28.6% QoQ
|
-0.66% |
0.67%
+11.7% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Top 5.0% in tier |
| Tier 1 Capital Ratio ? |
14.09%
-2.8% YoY
-1.7% QoQ
|
-0.75% |
14.84%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.14%
-36.6% YoY
+88.7% QoQ
|
-0.39% |
0.53%
+2.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
17% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
10.1%
-1.6pp YoY -0.8pp QoQ |
-11.2pp | 21.4% | 18.8% | 22.2% | 11% |
| Brokered Deposits |
13.9%
+6.7pp YoY +4.6pp QoQ |
+4.4pp | 9.5% | 9.4% | 8.5% | 79% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.4%
+0.8pp YoY -1.4pp QoQ |
+11.4pp | 14.0% | 10.9% | 12.5% | 88% |
| CRE |
42.2%
+1.5pp YoY +2.1pp QoQ |
-7.8pp | 50.0% | 42.4% | 41.4% | 29% |
| 1-4 Family |
13.8%
-0.4pp YoY 0.0pp QoQ |
-12.6pp | 26.4% | 39.8% | 31.3% | 27% |
| Consumer |
1.9%
-0.8pp YoY -0.2pp QoQ |
-2.8pp | 4.7% | 4.5% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
-0.4pp YoY -0.2pp QoQ |
-1.5pp | 15.6% | 14.8% | 19.7% | 60% |
| Leverage Ratio |
10.9%
-0.2pp YoY -0.2pp QoQ |
-0.4pp | 11.3% | 11.4% | 12.6% | 58% |
| Total Capital Ratio |
14.3%
-0.4pp YoY -0.3pp QoQ |
-2.4pp | 16.7% | 15.9% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
169
0 YoY +1 (+0.6%) QoQ |
-145 | 313 | 270 | 482 | 30% |
| Assets per Employee ($) |
$10.0M
+14.7% YoY +5.4% QoQ |
-$433K | $10.5M | $7.1M | $8.8M | 66% |
| Branch Count |
16
0 YoY 0 QoQ |
-4 | 20 | 17 | 18 | 53% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 20% |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.7% | 1.0% | 2% |
| Allowance Coverage |
14.40x
+202.4% YoY +31.2% QoQ |
-4.31x | 18.71x | 28.97x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+0.6pp YoY +0.6pp QoQ |
+2.1pp | 12.6% | 10.9% | 11.6% | 71% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 2.0% | 1.7% | 80% |
| Net Income ($, YTD) |
$13.1M
+15.1% YoY — QoQ |
-$6.2M | $19.2M | $16.7M | $40.4M | 53% |
Get Full Access to Security Bank and Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.