Total Assets
$230M
Total balance-sheet footings
FDIC Cert #2391 · Newbern, Tennessee · Est. 1931
Security Bank - FDIC Bank Health Profile
A community-scale look at Security Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $230M
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
Security Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.36% Tier 1, 0.55% ROA, 83% efficiency ratio.
- #2,850
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 14.36%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Security Bank's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Security Bank's composite health score
Tier 1 Capital Ratio (14.36%) 35/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (2.12%) 20/20
Efficiency Ratio (82.83%) 0/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$198M
Customer-funded liabilities
Net Loans
$92M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Security Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security Bank's score of 69/100 falls in the highlighted band.
Security Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Security Bank's $230M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.36%
Texas Ratio
2.12%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
5.87%
Efficiency Ratio
82.83%
What the numbers say about Security Bank
Security Bank is an FDIC-insured institution (Certificate #2391) headquartered in Newbern, Tennessee, established in 1931. It holds $230M in total assets - 2,850th of 4,313 FDIC-insured banks, $198M in customer deposits, and $92M in net loans. Looking at capital strength, Tier 1 stands at 14.36%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.12%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (69/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, Security Bank ranks 83rd of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$9M
Interest Income
$4M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Security Bank reports a Texas Ratio of 2.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security Bank (FDIC Cert #2391) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Security Bank's health grade?▼
Security Bank receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Security Bank?▼
Security Bank holds $230M in total assets and $198M in deposits, ranking 2,850th of 4,313 FDIC-insured banks by asset size. It is headquartered in Newbern, Tennessee.
Is my money safe at Security Bank?▼
Yes, deposits at Security Bank (Certificate #2391) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Security Bank's Tier 1 Capital Ratio?▼
Security Bank has a Tier 1 Capital Ratio of 14.36%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Security Bank?▼
Security Bank has a Texas Ratio of 2.12%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Security Bank?▼
Security Bank has an Efficiency Ratio of 82.83%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Security Bank's profile as a depositor or analyst.
- Security Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Security Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.