Security Bank and Trust Company
Paris, Tennessee, Henry County
$1.7B in total assets, the 685th largest of 4,309 US banks and 16th of 109 headquartered in Tennessee.
- FDIC certificate
- 9172
- Established
- 1905
- Owned by
- Security Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.securitybanktn.com
At a glance
Compared with 27 banks headquartered in Tennessee with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.7B | 56% | $1.6B | |
| Loans | $1.2B | 59% | $1.1B | |
| Deposits | $1.4B | 48% | $1.5B | |
| Return on assets | 1.51% | 59% | 1.39% | |
| Net interest margin | 3.46% | 30% | 3.79% | |
| Efficiency ratio | 45.4% | 11% | 56.7% | |
| Equity to assets | 10.75% | 70% | 10.05% | |
| Loans to deposits | 84% | 56% | 82% |
Growth
Total assets grew 16.5% a year over the last 5 years and 23.7% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2024 | Bank of Ripley Ripley, TN | $271M |
| Aug 2020 | The Farmers & Merchants Bank Dyer, TN | $110M |
| Mar 2017 | Reelfoot Bank Union City, TN | $152M |
| Dec 1986 | Farmers Bank & Trust Company Puryear, TN | $13M |
Where they operate
16 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Henry County, TN | $627M | 47.9% | 1 of 6 |
| Obion County, TN | $236M | 25.6% | 1 of 9 |
| Gibson County, TN | $185M | 16.4% | 3 of 8 |
| Lauderdale County, TN | $175M | 32.2% | 1 of 7 |
| Weakley County, TN | $170M | 19.1% | 2 of 8 |
| Tipton County, TN | $34M | 3.5% | 10 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (6 to 16, +166.7%). 2 opened, 12 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2017 | Acquired Reelfoot Bank | 5 | 0 | +5 | 11 |
| 2019 | Closed Union City | 0 | 1 | −1 | 10 |
| 2020 | Acquired The Farmers & Merchants BankOpened Milan, closed Puryear | 4 | 1 | +3 | 13 |
| 2022 | Closed Hornbeak | 0 | 1 | −1 | 12 |
| 2024 | Acquired Bank of Ripley | 4 | 0 | +4 | 16 |
| 2025 | Opened JacksonClosed Fulton | 1 | 1 | 0 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 25% | 9% | |
| Commercial real estate | 25% | 31% | |
| 1-4 family residential | 14% | 33% | |
| Construction and land | 11% | 11% | |
| Multifamily | 7% | 4% | |
| Farmland | 5% | 2% | |
| Agricultural | 2% | 0% | |
| Consumer | 2% | 6% | |
| Other | 10% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 49% | |
| Time deposits | 30% | 34% | |
| Noninterest-bearing | 10% | 17% |
Brokered deposits are 13.9% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.02% | 0.35% |
| Net charge-offs, annualized | 0.01% | 0.03% |
| Reserves to loans | 0.26% | 1.15% |
| Leverage ratio | 10.92% | 9.92% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Tennessee
Largest competitors in Henry County, TN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/security-bank-trust-paris-tn