Aiken, SC · Cert 31100 · Security Federal Corp.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Augusta-Richmond County, GA-SC · 2026 SOD (annual) · 8.8% share · #5 of 25 inst. · $1.1B of $12.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.58% | 0.68% | 0.65% | 0.70% | 0.72% | 0.79% | 0.86% | +22 bps | |
| Return on Equity | 6.24% | 7.00% | 7.87% | 7.40% | 7.96% | 8.04% | 8.39% | 9.08% | +168 bps | |
| Net Interest Margin | 2.62% | 2.53% | 2.80% | 2.77% | 2.79% | 2.81% | 2.99% | 3.03% | +26 bps | |
| Efficiency Ratio | 76.95% | 75.30% | 74.51% | 75.35% | 74.78% | 74.75% | 71.77% | 70.44% | -491 bps | |
| Non-Interest Burden | 1.88% | 1.76% | 1.93% | 1.95% | 1.94% | 1.95% | 1.96% | 1.92% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.85% | 3.98% | 4.41% | 5.36% | 2.30% | 0.36% | 2.82% | -1.21% | -657 bps | |
| Loan Growth (YoY) | 14.73% | 10.38% | 6.84% | 5.03% | -1.23% | -1.62% | -3.24% | -1.47% | -650 bps | |
| Deposit Growth (YoY) | 5.51% | 8.74% | 9.50% | 9.89% | 7.26% | 3.34% | 2.11% | -1.70% | -1,159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 1.09% | 1.03% | 0.85% | 0.81% | 0.84% | 0.80% | 0.85% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | -0.06% | -0.03% | -0.01% | 0.02% | 0.05% | 0.06% | +9 bps | |
| Allowance / Loans | 1.94% | 1.98% | 1.99% | 2.00% | 1.97% | 1.96% | 2.00% | 1.98% | -2 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.8x | 1.9x | 2.4x | 2.4x | 2.3x | 2.5x | 2.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 9.88% | 10.58% | 10.54% | 10.14% | 10.18% | 10.54% | 10.83% | +29 bps | |
| Total Risk-Based Capital | 19.21% | 19.96% | 20.16% | 20.46% | 19.93% | 20.56% | 21.01% | 21.23% | +77 bps | |
| Equity / Assets | 8.66% | 8.33% | 8.95% | 8.99% | 8.98% | 9.30% | 9.41% | 9.83% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.69% | 52.78% | 52.18% | 50.67% | 50.36% | 50.24% | 49.45% | 50.78% | +12 bps | |
| Liquid Assets / Assets | 12.83% | 14.68% | 12.46% | 12.01% | 7.16% | 8.64% | 11.23% | 9.52% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 257% | 245% | 240% | n/a | n/a | |