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Security Bank And Trust Company

IDRSSD: 19356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 19356 held $155.3M in total assets as of 2026-03-31 (+2.0% quarter-over-quarter). Total loans stood at $127.1M (+5.2% QoQ) and total deposits at $136.3M (+3.9% QoQ).

Overall position is weak — the composite Health Score is 37/100 (Weak). Tier 1 / RWA stands at 10.31%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

2 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
37/100
Weak
Active Alerts
2
1 critical, 1 warning
Total Assets
$155.3M
+2.0% QoQ
Total Loans
$127.1M
+5.2% QoQ
Total Deposits
$136.3M
+3.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.31%
2th pctile · n=217↑ better
+5 bp QoQ
CET1 / RWA
10.31%
58th pctile · n=500↑ better
+5 bp QoQ
Total RBC / RWA
11.57%
3th pctile · n=217↑ better
+5 bp QoQ
Tier 1 Leverage Ratio
10.31%
57th pctile · n=500↑ better
+5 bp QoQ

Liquidity

Cash / Assets
3.32%
29th pctile · n=500↑ better
-343 bp QoQ
Loans / Deposits
93.21%
83th pctile · n=492↓ better
+118 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.43%
78th pctile · n=500↓ better
+54 bp QoQ
NPA / Assets
1.35%
84th pctile · n=500↓ better
+47 bp QoQ
Texas Ratio (regulatory)
14.00%
88th pctile · n=500↓ better
+459 bp QoQ
Net Charge-Offs / Avg Loans
0.01%
69th pctile · n=500↓ better
+3 bp QoQ
ALLL Coverage of NPL
107.01%
49th pctile · n=500↑ better
-6198 bp QoQ

Earnings

Net Interest Margin
4.69%
82th pctile · n=500↑ better
+15 bp QoQ
Return on Assets
1.53%
69th pctile · n=500↑ better
+12 bp QoQ
Return on Equity
19.05%
89th pctile · n=500↑ better
+137 bp QoQ
Efficiency Ratio
61.62%
39th pctile · n=500↓ better
-507 bp QoQ
Pre-tax NOI / Avg Assets
1.53%
60th pctile · n=500↑ better
+12 bp QoQ

Funding

Brokered / Deposits
13.23%
92th pctile · n=492↓ better
-203 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
3.85%
79th pctile · n=500↓ better
-190 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
8.27%
21th pctile · n=500↑ better
-34 bp QoQ
AFS Securities / Assets
8.27%
29th pctile · n=500↑ better
-34 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 01:14:47 UTC