Security First Bank
Lincoln, NE · Cert 5415 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 81% of banks $1B-$10B in assets (rank 60 of 313).
- Widest gap: tier 1 capital ratio trails 85% of banks $1B-$10B in assets (rank 271 of 319).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.77%
Rank 260 of 319
Net Interest Margin
3.15%
Rank 224 of 319
Efficiency Ratio
68.30%
Rank 249 of 319
Equity / Assets
9.35%
Rank 219 of 319
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.91% | 1.21% | 1.53% | Beats 18% | 260 / 319 | | |
| Return on Equity | 8.27% | 8.49% | 11.44% | 14.57% | Beats 24% | 244 / 319 | | |
| Net Interest Margin | 3.15% | 3.06% | 3.43% | 3.81% | Beats 30% | 224 / 319 | | |
| Efficiency Ratio | 68.30% | 51.90% | 59.57% | 67.64% | Beats 22% | 249 / 319 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.25% | 0.54% | 1.18% | Beats 81% | 60 / 313 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 63% | 119 / 313 | | |
| Capital |
| Tier 1 Capital Ratio | 11.03% | 11.74% | 12.99% | 15.28% | Beats 15% | 271 / 319 | | |
| Total Risk-Based Capital Ratio | 12.25% | 12.61% | 14.01% | 16.23% | Beats 21% | 253 / 319 | | |
| Equity / Assets | 9.35% | 9.03% | 10.33% | 12.01% | Beats 31% | 219 / 319 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.10% | 76.76% | 88.16% | 95.43% | 26th pctl | 232 / 314 | | |
| Loans / Assets | 68.33% | 65.79% | 74.05% | 79.84% | 31st pctl | 220 / 319 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |