Security Federal Bank
Aiken, SC · Cert 31100 · Peer group: banks $1B-$10B in assets (n=313-319) · Security Federal Corp.
State charter, non-member · FDIC · 19 branches
Q2 2026
$1.5BAssets
$691.4MLoans
$1.4BDeposits
$151.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of banks $1B-$10B in assets (rank 29 of 319).
- Widest gap: efficiency ratio trails 82% of banks $1B-$10B in assets (rank 261 of 319).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.87%
Rank 251 of 319
Net Interest Margin
3.03%
Rank 243 of 319
Efficiency Ratio
70.44%
Rank 261 of 319
Equity / Assets
9.83%
Rank 187 of 319
Non-interest income vs. expense
Unfavorable gap of $30.3M · efficiency ratio beats 18% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.91% | 1.21% | 1.53% | Beats 21% | 251 / 319 | | |
| Return on Equity | 8.85% | 8.49% | 11.44% | 14.57% | Beats 27% | 233 / 319 | | |
| Net Interest Margin | 3.03% | 3.06% | 3.43% | 3.81% | Beats 24% | 243 / 319 | | |
| Efficiency Ratio | 70.44% | 51.90% | 59.57% | 67.64% | Beats 18% | 261 / 319 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.25% | 0.54% | 1.18% | Beats 33% | 210 / 313 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.12% | Beats 50% | 156 / 313 | | |
| Capital |
| Tier 1 Capital Ratio | 19.98% | 11.74% | 12.99% | 15.28% | Beats 91% | 29 / 319 | | |
| Total Risk-Based Capital Ratio | 21.23% | 12.61% | 14.01% | 16.23% | Beats 91% | 28 / 319 | | |
| Equity / Assets | 9.83% | 9.03% | 10.33% | 12.01% | Beats 41% | 187 / 319 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.78% | 76.76% | 88.16% | 95.43% | 4th pctl | 302 / 314 | | |
| Loans / Assets | 44.91% | 65.79% | 74.05% | 79.84% | 6th pctl | 300 / 319 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |