Security Bank and Trust Company is a state-chartered bank headquartered in Paris, Tennessee, in business for about 121 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.4B in deposits, with 16 offices.
Security Bank and Trust Company has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 88% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 20th. Problem-loan coverage contributes the most (100/100, 0.1%); capital cushion contributes the least (59/100, 10.92%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 80 |
| Q1 2025 | 75 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 77 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.61% |
| Q3 2024 | 10.91% |
| Q4 2024 | 12.10% |
| Q1 2025 | 10.85% |
| Q2 2025 | 11.14% |
| Q3 2025 | 11.25% |
| Q4 2025 | 11.43% |
| Q1 2026 | 11.14% |
| Q2 2026 | 10.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.54% |
| Q3 2025 | 1.56% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $1.7B | 10.92% | 0.02% | 1.61% | 83.8% |
| Q1 2026 | 77 | $1.6B | 11.14% | 0.03% | 1.57% | 84.9% |
| Q4 2025 | 78 | $1.6B | 11.43% | 0.03% | 1.47% | 82.0% |
| Q3 2025 | 79 | $1.5B | 11.25% | 0.05% | 1.56% | 81.1% |
| Q2 2025 | 78 | $1.5B | 11.14% | 0.07% | 1.54% | 81.8% |
| Q1 2025 | 75 | $1.5B | 10.85% | 0.08% | 1.31% | 77.2% |
| Q4 2024 | 80 | $1.5B | 12.10% | 0.11% | 1.24% | 74.8% |
| Q3 2024 | 76 | $1.2B | 10.91% | 0.01% | 1.25% | 83.0% |
| Q2 2024 | 74 | $1.2B | 10.61% | 0.00% | 1.17% | 80.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Citizens Tri-County BankBank Dunlap, TN | 70 out of 100, Strong | $1.6B | 9.3% | 0.75% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |
| Wellworth BankBank Lafayette, TN | 60 out of 100, Moderate | $1.8B | 9.9% | 1.39% | vs |
| Independent BankBank Memphis, TN | 67 out of 100, Moderate | $1.9B | 10.6% | 0.85% | vs |
| First National Bank of PulaskiBank Pulaski, TN | 77 out of 100, Strong | $1.5B | 11.3% | 0.24% | vs |
Deposit insurance
Is my money safe at Security Bank and Trust Company?
Yes. Security Bank and Trust Company is an FDIC-insured institution (FDIC certificate #9172). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.5% of deposits ($394.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.34% (benchmark: 10%).
16 locations
Branches
Security Bank and Trust Company lists 11 offices in 10 cities. Most locations:
- Ripley, TN (2)
- Covington, TN (1)
- Dyer, TN (1)
- Humboldt, TN (1)
- Jackson, TN (1)
- Martin, TN (1)
- Milan, TN (1)
- Paris, TN (1)
- Trenton, TN (1)
- Union City, TN (1)
HMDA 2025
Mortgage lending
In 2025, Security Bank and Trust Company reported 173 home-loan applications under HMDA (LEI 984500ET710674536D72): 126 originated ($165,120,000 total), 12 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Security Bank and Trust Company
- Former names
- The Cottage Grove Bank and Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 9172
- RSSD ID
- 118156
- Primary regulator
- FDIC
- Holding company
- Security Bancshares Inc
- Established
- January 1, 1905
- Headquarters
- 210 W Washington St, Paris, TN 38242
- Website
- www.securitybanktn.com
- Employees
- 169
Quick answers
Security Bank and Trust Company: common questions
Is Security Bank and Trust Company FDIC insured?
Yes. Security Bank and Trust Company is an FDIC-insured institution (FDIC certificate #9172). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Security Bank and Trust Company's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Security Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #9172 in the FDIC failed bank list.
How many branches does Security Bank and Trust Company have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Paris
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Johnsonville TVA Employees Credit UnionCredit union Camden, TN | 92 out of 100, Very strong | $180.7M | 16.4% | 0.73% | vs |
| Bank of GleasonBank Gleason, TN | 90 out of 100, Very strong | $138.5M | 20.9% | 0.14% | vs |
| Holley Credit UnionCredit union Paris, TN | 85 out of 100, Very strong | $105.3M | 13.8% | 0.51% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |
| First Federal BankBank Dickson, TN | 71 out of 100, Strong | $1.1B | 10.5% | 0.52% | vs |