Security Federal Bank
Aiken, SC · Cert 31100 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 31 of 328).
- Widest gap: efficiency ratio trails 81% of banks $1B-$10B in assets (rank 268 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.87%
Rank 255 of 328
Net Interest Margin
3.03%
Rank 246 of 328
Efficiency Ratio
70.44%
Rank 268 of 328
Equity / Assets
9.83%
Rank 193 of 328
Non-interest income vs. expense
Unfavorable gap of $30.3M · efficiency ratio beats 19% 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% | 1.22% | 1.52% | Beats 22% | 255 / 328 | | |
| Return on Equity | 8.85% | 8.43% | 11.45% | 14.43% | Beats 28% | 236 / 328 | | |
| Net Interest Margin | 3.03% | 3.03% | 3.45% | 3.83% | Beats 25% | 246 / 328 | | |
| Efficiency Ratio | 70.44% | 51.61% | 59.56% | 67.53% | Beats 19% | 268 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.24% | 0.51% | 1.03% | Beats 31% | 223 / 322 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 48% | 170 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 19.98% | 11.75% | 13.15% | 15.47% | Beats 91% | 31 / 328 | | |
| Total Risk-Based Capital Ratio | 21.23% | 12.63% | 14.15% | 16.46% | Beats 91% | 30 / 328 | | |
| Equity / Assets | 9.83% | 9.15% | 10.33% | 12.01% | Beats 41% | 193 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.78% | 76.63% | 87.92% | 95.36% | 4th pctl | 311 / 323 | | |
| Loans / Assets | 44.91% | 65.18% | 74.15% | 79.98% | 6th pctl | 308 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |