BlastPoint's Banking Scorecard
Security Bank
Micro
Specialty: Other
TN
FDIC cert 2391
Designations: ✓ Community bank
Newbern, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Security Bank shows strong momentum with 1 strength and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.18% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$229.8M
+6.8% YoY
+4.4% QoQ
|
+$12.3M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$91.8M
+15.7% YoY
+3.1% QoQ
|
-$47.3M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$197.5M
+4.7% YoY
+5.0% QoQ
|
+$13.8M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.55%
+36.8% YoY
+25.5% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.07%
+4.9% YoY
+3.5% QoQ
|
-0.78% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
82.83%
-6.6% YoY
-3.3% QoQ
|
+15.10% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.53%
-21.7% YoY
-7.0% QoQ
|
-0.11% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
46.50%
+10.5% YoY
-1.8% QoQ
|
-28.02% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.10%
+8.0% YoY
-1.4% QoQ
|
-3.30% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.21%
-15.3% YoY
-8.2% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
14.36%
-4.7% YoY
-0.8% QoQ
|
+5.50% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
1.74%
-1.9% YoY
+30.8% QoQ
|
+1.18% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.74%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 1.74% · Tier avg: 0.56%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.50% · Tier avg: 74.53%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.36% · Tier avg: 8.85%
59
59th pctile
Total Deposits
Current: $197.5M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $229.8M · Tier avg: $217.5M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
39
39th pctile
Total Loans
Current: $91.8M · Tier avg: $139.2M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.10% · Tier avg: 22.39%
21
21th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
18
18th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.85%
16
16th pctile
Efficiency Ratio
Current: 82.83% · Tier avg: 67.73%
Top Weaknesses
16
16th pctile
Efficiency Ratio
Current: 82.83% · Tier avg: 67.73%
18
18th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.85%
21
21th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.10% · Tier avg: 22.39%
39
39th pctile
Total Loans
Current: $91.8M · Tier avg: $139.2M
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
58
58th pctile
Total Assets
Current: $229.8M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $197.5M · Tier avg: $183.7M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.36% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.50% · Tier avg: 74.53%
96
96th pctile
Non-Interest Income / Assets
Current: 1.74% · Tier avg: 0.56%