# SECURITY BANK
NEWBERN, TN · FDIC certificate 2391 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $224.1M | |
| Deposits | $191.8M | |
| Loans and leases | $105.5M | |
| Total equity | $22.0M | |
| Loans / deposits | 54.35% (p24 of band) | 73.59% |
| Liquid assets / assets | 46.62% (p74 of band) | |
| Uninsured deposits / deposits | 26.12% (p72 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.20% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.53% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -11.17% (p38 of band) | -6.57% |
| AOCI / equity | -0.71% (p36 of band) | |
| ROA (annualized) | 0.73% (p27 of band) | 1.17% |
| Net interest margin | 3.43% (p26 of band) | 3.93% |
| Efficiency ratio | 76.33% (p73 of band) | |
| Noncurrent loans | 0.54% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 226.50% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 94.46% (p93 of band) | |
| Auto loans | $1.3M (1.25% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 78 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-09 | 2 | uninsured deposits leaving |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | noncurrent p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2020-06 | 1 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 2 | uninsured deposits leaving |  |
| 2020-12 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling, NIM <2.5% |
| 2022-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 2 | assets shrinking | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-21 [Security Bank and Trust Company celebrates groundbreaking ceremony for new Jackson location; announces team - Talk-N West TN](https://news.google.com/rss/articles/CBMiywFBVV95cUxQblg3elRNZmJnSVIycXVkVEt5by1WUkU4VHNxbUJuX0VXYVVRY3BqRDBRRHkwYzNsdS1GeGpkU2RuVzhjVXFNMGMxRlU3X04tVTdHVUE3Qm1nVWw0OXdYVkVualRiNUJ1Y2Z3cWUwc0NYVzVaZjBhcVNqanA3SHQ4VVduTHlnVkR1d09oVDhDQmZ6VVNZeUlnd0w1c2tFbklvNW5xX0tKeVJpekMtUTVqb3BWeWlnMzc2MUIxTGlRMmFySVNoazEwVTJoWQ?oc=5) · Talk-N West TN
- 2026-09-02 [Security Bank and Trust Company announces expansion into Dyersburg and Dyer County - stategazette.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQQUZ3b3BRY0lrcjJZODdfWjE5ZGlSc181bi1xcnllb2hVWkYwRk10SlZlZ3hfdG10X19DZm0wbGxjbjRMbXdJQkxweVRiYWxndlJ6Umdycko2cDJ5cWtWYU9TcWMzNDVIN2Y2UHVCRlpNbVBWY0p3Q0FrdVRUQjc2UkFOR1h3RE13amZOeFlVU0VkcmxRWjRRa2hjbV96UVc0MmhDOFFDSGJpUnpFM01OdVQ3Sm1FbVEyOTlHX0JEZi1UQ1FMSDBINzVGM1hnbFdtM0RSTTVkM0ZvWHMtTXctOVpFMnQ1bDM0aTg4QVFkZHE2N2k5WDZ3c0J3?oc=5) · stategazette.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-15 [Groundbreaking held for Security Bank & Trust Company in Thomsen Farms - Talk-N West TN](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZW5IMGpjNUoyTnlzdWpINEJ5Yjctb290ckRCYWtoWDd2Zlh6d3pmdjF4TENxNEhnUGYzLUNDNGJNLXlwU1VmMGJVbmRfRm1fdjczVHlsUU1xX0lDQ0pPTHVWMmtKM2Z6RzktaThtNi1nUFJOUnAyZlRielJtLTZ0cDljaFBVU0RQMWJkVEo0ekJ1OGhpckx0eQ?oc=5) · Talk-N West TN
- 2026-07-17 [Man escapes custody from Gibson County Sheriff’s Department - wbbjtv.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUkFtd1hJT3FDY2dqbTllZkNiRTVzZXJpTTN6YlcxaFh0Zndvc2hyd1VrWVFmeS0xcmtaSEFLWU5PVEhHSlhHUXRoSmZ0Ml93dFlMVG5SOUdRODdjdDBtY29nWVVhS1JIVXlteU9Ud2ZSQmxGRkl2WVhWVVpKWnRUc3o1bjNNVWRXTTBTck93NU02d9IBpgFBVV95cUxOVmJQWG9mTG84Tmo1Q2hMU1pHa3pyc05CUVp4bGplTUJncGF4UzlJdmlMNlRvRGNoWmVuY09SVFRHZGxUck9YQUU2RHgxVnE2N1lYREEyM3h5UDJZSnloek9hanJWbUQybXNUQTZMUjRHRjdBRjR5RFpEcWVrNE1lU3lmX0VmenNlV29KVTEyU2lkMlZabTJ5OE5XZF9PSWI2NjY1b09B?oc=5) · wbbjtv.com
- 2025-11-25 [Pa. bank opens first branch in Lancaster County - PennLive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcjQzTkItazBnbzFwM1M2NnN4Vnh1RXhQbHB4UGtyUnFuWW5sdTlzSUNHaXFuWlhJTDdZMXVFQUpNN0hsN1B0WERZYnhnMC1tR2gyREFBeGtQMGgtRkNYNmk4ZUdVV1J2anc2UWVWYlI2X3dDLWJRMWlPSnpCUzlwM0VlTGhaVkd3cnZwclZqTjU5Zi1UWDBaNg?oc=5) · PennLive.com
- 2021-11-01 [First student receives leaders in banking scholarship - UT Martin News -](https://news.google.com/rss/articles/CBMijwFBVV95cUxOMUhOLUhSLU5zR05SU096anNhWldrM2tlWjZod0ZkdTF2YlM2ODJCSm84alc0VWFaWWhJYnNZZnZITExaUnRxQXJQODhIbDhSWExmcjRaWjlkVWx2d3lCalM2dHJrN3I3Q3RSd0Y1OGhjQnBYSE9yQUl2aGdfZDJ6TUxHUnhDT1VxTmJrUTdoQQ?oc=5) · UT Martin News -
- 2024-08-13 [Security Bank, Bank of Ripley announce merger - Paris Post-Intelligencer](https://news.google.com/rss/articles/CBMiigFBVV95cUxOam5sdXFuUjMtM3paMHF5M2xjWkhVOFhuUTdtOXlRejhYdUZEWmhfVUx4OW03UG1NR2JsWW5XX2NXdmU4d0pxSzdTZTIzcDJhMGlRdDM5cjlYWndXdnNWbWdwZlpEUWE4ZTZvU2xfTGZMX0hEQ3RTcm9NMEU4bE56ai1KOTZ4WWtUUXc?oc=5) · Paris Post-Intelligencer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2391 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "2391", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide