TellerScore

Security Federal Savings Bank of McMinnville (FDIC certificate #31146) is based in Mcminnville, Tennessee. Its Q2 2026 call report shows $386.0M in total assets and $327.6M in deposits and 3 offices.

Security Federal Savings Bank of McMinnville has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 18th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (52/100, 95% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.91%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 95.0% · 27.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.99%

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

From Q2 2025 to Q2 2026, the score rose 8 points (72 → 80), mostly because the capital cushion component improved by 18 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202474
Q4 202474
Q1 202573
Q2 202572
Q3 202575
Q4 202577
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%8.46%11.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.44%
Q3 202410.63%
Q4 202410.59%
Q1 202510.29%
Q2 202510.10%
Q3 202510.79%
Q4 202511.34%
Q1 202611.77%
Q2 202611.91%
Noncurrent loans
0.00%0.12%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.00%
Q4 20240.05%
Q1 20250.01%
Q2 20250.06%
Q3 20250.01%
Q4 20250.00%
Q1 20260.23%
Q2 20260.00%
Return on assets
1.10%1.36%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.14%
Q3 20241.16%
Q4 20241.19%
Q1 20251.10%
Q2 20251.21%
Q3 20251.34%
Q4 20251.46%
Q1 20261.52%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$386.0M11.91%0.00%1.62%95.0%
Q1 202677$378.5M11.77%0.23%1.52%93.0%
Q4 202577$381.4M11.34%0.00%1.46%94.6%
Q3 202575$375.5M10.79%0.01%1.34%89.5%
Q2 202572$384.0M10.10%0.06%1.21%82.4%
Q1 202573$391.7M10.29%0.01%1.10%78.8%
Q4 202474$359.6M10.59%0.05%1.19%82.4%
Q3 202474$346.5M10.63%0.00%1.16%86.0%
Q2 202473$346.5M10.44%0.04%1.14%84.8%

2,650 peers · $100 million – $1 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).

Capital ratio11.91%
64th
Total risk-based capital16.20%
74th
Problem loans0.00%
88th
Net charge-offs0.04%
31st
Return on assets1.62%
72nd
Net interest margin4.13%
61st
Efficiency ratio50.0%
83rd
Loans to deposits95.0%
16th
Uninsured deposits27.0%
38th
Loan-loss reserves0.93%
19th
Texas ratio2.0%
58th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
RockPointBank, National AssociationBank Chattanooga, TN68 out of 100, Moderate$384.5M12.1%0.13%vs
Tower Community BankBank Jasper, TN70 out of 100, Strong$375.4M10.4%0.43%vs
Volunteer Federal Savings BankBank Madisonville, TN75 out of 100, Strong$397.1M11.2%0.34%vs
The First National Bank of OneidaBank Oneida, TN82 out of 100, Strong$367.8M11.0%0.27%vs
Bank of FrankewingBank Frankewing, TN41 out of 100, Below average$413.1M11.3%6.25%vs
First Vision Bank of TennesseeBank Tullahoma, TN77 out of 100, Strong$414.2M12.4%0.08%vs

Deposit insurance

Is my money safe at Security Federal Savings Bank of McMinnville?

Yes. Security Federal Savings Bank of McMinnville is an FDIC-insured institution (FDIC certificate #31146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($88.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.20% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Security Federal Savings Bank of McMinnville lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Security Federal Savings Bank of McMinnville
Former names
Security Federal Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
31146
RSSD ID
631178
Primary regulator
FDIC
Holding company
Security Bcorp Inc
Established
January 1, 1959
Headquarters
306 W Main St, Mcminnville, TN 37110
Employees
49

Quick answers

Security Federal Savings Bank of McMinnville: common questions

Is Security Federal Savings Bank of McMinnville FDIC insured?

Yes. Security Federal Savings Bank of McMinnville is an FDIC-insured institution (FDIC certificate #31146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Federal Savings Bank of McMinnville's TellerScore?

80 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 Federal Savings Bank of McMinnville ever failed?

There is no failure record for FDIC certificate #31146 in the FDIC failed bank list.

How many branches does Security Federal Savings Bank of McMinnville have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcminnville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Peoples Bank & Trust CompanyBank Manchester, TN93 out of 100, Very strong$168.6M14.7%0.02%vs
Citizens BankBank Carthage, TN92 out of 100, Very strong$832.5M16.3%0.62%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
First National Bank of TennesseeBank Livingston, TN86 out of 100, Very strong$1.4B11.6%0.28%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs