Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 10.5. A current level of 1.8 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (7.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (25%), home mtgs (18%), comm loans (12%), consumer loans (4%), cash (2%), comm re (1%), other (38%)
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
111 East Main Street
Bells, TN 38006
Bells, TN 38006
Phone Number
(731) 663-2031
Year Founded
1888
FDIC Number
Website
Largest Affiliates
Newbern, TN
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Bank
Halls, TN
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Bank