BlastPoint's Banking Scorecard
Security Bank and Trust Company
Community
Specialty: Commercial
TN
FDIC cert 9172
Paris, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Security Bank and Trust Company demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.59% below tier
- + Nonperforming Asset Ratio 0.47% below 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 ? |
$1.6B
+4.2% YoY
+3.6% QoQ
|
+$162.8M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.1B
+13.7% YoY
+5.2% QoQ
|
+$102.7M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.3B
+3.7% YoY
+4.0% QoQ
|
+$149.8M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.47%
+18.1% YoY
-5.9% QoQ
|
+0.31% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.44%
+21.5% YoY
+1.0% QoQ
|
-0.22% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
49.51%
-1.2% YoY
+5.6% QoQ
|
-13.12% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.03%
-69.4% YoY
-37.2% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
82.03%
+9.7% YoY
+1.1% QoQ
|
-1.04% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
10.84%
-11.0% YoY
-6.5% QoQ
|
-10.21% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-66.6% YoY
-36.2% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
14.73%
+1.5% YoY
-0.1% QoQ
|
+4.49% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.40%
+93.0% YoY
+16.1% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 10%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 10%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
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
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
85
85th pctile
Efficiency Ratio
Current: 49.51% · Tier avg: 62.63%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.73% · Tier avg: 10.24%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
43
43th pctile
Loan-to-Deposit Ratio
Current: 82.03% · Tier avg: 83.06%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.84% · Tier avg: 21.05%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.84% · Tier avg: 21.05%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
43
43th pctile
Loan-to-Deposit Ratio
Current: 82.03% · Tier avg: 83.06%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.73% · Tier avg: 10.24%
85
85th pctile
Efficiency Ratio
Current: 49.51% · Tier avg: 62.63%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%