BlastPoint's Banking Scorecard
Security Federal Bank
Designations: ✓ Community bank ✓ CDFI-certified
Aiken, SC
19 branches across SC · GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
- Deposits -1.7% year over year ($1.4B on the books).
- Delinquency rate 0.87%.
- Return on assets 0.86%.
- Efficiency ratio 70.44% vs a 59.73% peer average.
- Loan-to-deposit ratio 49.78% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Federal Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 11.1% in tier
- - ROA 0.53% below tier average
- - Net Interest Margin 0.57% below tier average
- - Efficiency Ratio 10.71% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-1.2% YoY
-1.4% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$677.7M
-1.5% YoY
+1.5% QoQ
|
-$1.3B |
$2.0B
-0.3% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.1% in tier |
| Total Deposits ? |
$1.4B
-1.7% YoY
-1.2% QoQ
|
-$957.3M |
$2.3B
-0.5% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.86%
+33.2% YoY
+10.0% QoQ
|
-0.53% |
1.39%
+17.0% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.30%
+9.4% YoY
+1.3% QoQ
|
-0.57% |
3.87%
+6.2% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
70.44%
-6.5% YoY
-1.9% QoQ
|
+10.71% |
59.73%
-12.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.87%
+0.5% YoY
+7.3% QoQ
|
+0.00% |
0.87%
+11.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
49.78%
+0.2% YoY
+2.7% QoQ
|
-35.26% |
85.04%
-0.1% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Top 3.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.26%
+3.2% YoY
+2.4% QoQ
|
-1.01% |
21.27%
-1.5% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.43%
+1.1% YoY
+9.4% QoQ
|
-0.24% |
0.67%
+11.7% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
19.98%
+4.0% YoY
+1.1% QoQ
|
+5.13% |
14.84%
-0.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Top 7.5% in tier |
| Non-Interest Income / Assets ? |
0.36%
+35.3% YoY
+115.0% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
64% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.3%
+0.6pp YoY +0.5pp QoQ |
-1.1pp | 21.4% | 21.7% | 22.2% | 52% |
| Brokered Deposits |
0.1%
-2.2pp YoY -0.4pp QoQ |
-9.4pp | 9.5% | 10.6% | 8.5% | 5% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.3%
+1.7pp YoY +1.0pp QoQ |
-7.7pp | 14.0% | 9.8% | 12.5% | 25% |
| CRE |
59.8%
-1.6pp YoY -0.1pp QoQ |
+9.8pp | 50.0% | 43.3% | 41.4% | 75% |
| 1-4 Family |
32.5%
+0.1pp YoY -0.8pp QoQ |
+6.0pp | 26.4% | 44.4% | 31.3% | 70% |
| Consumer |
3.4%
-0.1pp YoY 0.0pp QoQ |
-1.3pp | 4.7% | 4.5% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.0%
+0.8pp YoY +0.2pp QoQ |
+4.4pp | 15.6% | 18.1% | 19.7% | 91% |
| Leverage Ratio |
10.8%
+0.3pp YoY +0.3pp QoQ |
-0.5pp | 11.3% | 12.3% | 12.6% | 57% |
| Total Capital Ratio |
21.2%
+0.8pp YoY +0.2pp QoQ |
+4.5pp | 16.7% | 19.1% | 20.8% | 92% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
253
-2 (-0.8%) YoY 0 QoQ |
-61 | 313 | 174 | 482 | 56% |
| Assets per Employee ($) |
$6.1M
-0.4% YoY -1.4% QoQ |
-$4.4M | $10.5M | $7.8M | $8.8M | 13% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 12 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.9%
0.0pp YoY +0.1pp QoQ |
0.0pp | 0.8% | 0.5% | 1.0% | 69% |
| Allowance Coverage |
2.32x
-1.4% YoY -7.8% QoQ |
-16.39x | 18.71x | 15.59x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
+1.7pp YoY +0.7pp QoQ |
-3.5pp | 12.6% | 11.7% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.6% | 1.7% | 41% |
| Net Income ($, YTD) |
$6.7M
+34.1% YoY — QoQ |
-$12.5M | $19.2M | $9.6M | $40.4M | 21% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.