Security Bank and Trust Company: how it compares with its peers
Against 31 TN banks with half to twice its assets, Security Bank and Trust Company's strongest measure in Q2 2026 is efficiency ratio (45.45% vs. a 57.32% peer median). Its weakest relative measure is net interest margin (3.46% vs. 3.94%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.27% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 3.94% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.45% | 57.32% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $7.4M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.78% | 80.38% | Context |
What it means for lending operations
Its efficiency ratio of 45.45% is better than the 57.32% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- One Bank of Tennessee Cookeville, TN · $1.67B
- Citizens Tri-County Bank Dunlap, TN · $1.64B
- First Farmers and Merchants Bank Columbia, TN · $1.76B
- Wellworth Bank Lafayette, TN · $1.84B
- Independent Bank Memphis, TN · $1.85B
- First National Bank of Pulaski Pulaski, TN · $1.50B
Questions about Security Bank and Trust Company
How big is Security Bank and Trust Company?
Security Bank and Trust Company, established in 1905, is headquartered in Paris, TN. It reported $1.70B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Security Bank and Trust Company's return on assets?
1.61% annualized in Q2 2026, against a 1.27% median for 31 TN banks with half to twice its assets, ahead of 61% of them.
What is Security Bank and Trust Company's efficiency ratio?
45.45% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 57.32%, and lower is better.
Is Security Bank and Trust Company growing its loans?
Net loans grew 19.3% over the year to Q2 2026, while deposits grew 16.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.