Security First Bank
Lincoln, NE · Cert 5415 · Peer group: banks $1B-$10B in assets (n=322-328) · Stockmens Financial Corp.
State charter, non-member · FDIC · 35 branches
Q2 2026
$2.3BAssets
$1.6BLoans
$2.0BDeposits
$217.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 79% of banks $1B-$10B in assets (rank 68 of 322).
- Widest gap: tier 1 capital ratio trails 84% of banks $1B-$10B in assets (rank 277 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.77%
Rank 266 of 328
Net Interest Margin
3.15%
Rank 226 of 328
Efficiency Ratio
68.30%
Rank 257 of 328
Equity / Assets
9.35%
Rank 230 of 328
Non-interest income vs. expense
Unfavorable gap of $44.3M · efficiency ratio beats 22% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.91% | 1.22% | 1.52% | Beats 19% | 266 / 328 | |
| Return on Equity | 8.27% | 8.43% | 11.45% | 14.43% | Beats 24% | 250 / 328 | |
| Net Interest Margin | 3.15% | 3.03% | 3.45% | 3.83% | Beats 31% | 226 / 328 | |
| Efficiency Ratio | 68.30% | 51.61% | 59.56% | 67.53% | Beats 22% | 257 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.24% | 0.51% | 1.03% | Beats 79% | 68 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 60% | 130 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.03% | 11.75% | 13.15% | 15.47% | Beats 16% | 277 / 328 | |
| Total Risk-Based Capital Ratio | 12.25% | 12.63% | 14.15% | 16.46% | Beats 21% | 259 / 328 | |
| Equity / Assets | 9.35% | 9.15% | 10.33% | 12.01% | Beats 30% | 230 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 78.10% | 76.63% | 87.92% | 95.36% | 27th pctl | 237 / 323 | |
| Loans / Assets | 68.33% | 65.18% | 74.15% | 79.98% | 31st pctl | 225 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |