Side-by-side · Q2 2026 data
Security Federal Savings Bank of McMinnville vs Heritage Bank & Trust
Bank
Security Federal Savings Bank of McMinnville
Mcminnville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Security Federal Savings Bank of McMinnville | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 80 (stronger) | 65 |
| Capital cushion | 69 (stronger) | 35 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 85 (stronger) | 71 |
| Funding & liquidity | 52 | 64 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 77th | 29th |
| Total assets | $386.0M | $417.8M |
| Deposits / shares | $327.6M | $377.3M |
| Capital ratio | 11.91% (stronger) | 8.48% |
| Problem loans | 0.00% (stronger) | 0.36% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.62% (stronger) | 1.28% |
| Loans ÷ deposits | 95.0% | 93.7% (stronger) |
| Uninsured deposits | 27.0% | 17.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Security Federal Savings Bank of McMinnville has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Security Federal Savings Bank of McMinnville leads on 4 and Heritage Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.