Major Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Good asset quality (6.8). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 7.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 55.0 percent and a “hot money” ratio of 17.2 percent.
Asset Mix:
Securities (30%), cash (26%), home mtgs (7%), comm re (5%), comm loans (5%), consumer loans (2%), home eq lns (1%), other (24%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Security Bancorp of Tennessee, Inc.
Investment Rating
--
Address
101 West Main Street
Halls, TN 38040
Halls, TN 38040
Phone Number
(731) 836-7515
Year Founded
1899
FDIC Number
Website
Largest Affiliates
Bells, TN
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Bank
Dyersburg, TN
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Bank