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Security Federal Bank

$1B-$10B Specialty: Commercial SC FDIC cert 31100

Designations: ✓ Community bank ✓ CDFI-certified

Aiken, SC

19 branches across SC · GA

884 banks in the $1B-$10B peer group nationally 13 in SC
View $1B-$10B leaderboard (SC) →

Security Federal Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.58% below tier average
  • - Net Interest Margin 0.56% below tier average
  • - Efficiency Ratio 10.71% above tier average
Get updates when Security Federal Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $1.6B
+2.8% YoY +0.7% QoQ
-$1.3B $2.8B
-0.1% YoY
$1.5B
+4.7% YoY
$6.2B
+9.1% YoY
36%
Total Loans ? $667.5M
-3.2% YoY -1.3% QoQ
-$1.3B $2.0B
+0.6% YoY
$993.8M
+7.7% YoY
$3.2B
+10.8% YoY
Bottom 7.4% in tier
Total Deposits ? $1.4B
+2.1% YoY +0.3% QoQ
-$965.9M $2.3B
-0.3% YoY
$1.3B
+4.0% YoY
$4.8B
+8.2% YoY
40%
Return on Assets ? 0.79%
+15.4% YoY +9.5% QoQ
-0.58% 1.37%
+19.6% YoY
1.18%
+45.0% YoY
1.23%
+13.4% YoY
20%
Net Interest Margin ? 3.26%
+8.1% YoY +3.4% QoQ
-0.56% 3.82%
+6.9% YoY
3.64%
+5.2% YoY
3.89%
+5.7% YoY
27%
Efficiency Ratio ? 71.77%
-3.7% YoY -4.0% QoQ
+10.71% 61.06%
-4.6% YoY
67.38%
-5.7% YoY
66.95%
-4.1% YoY
20%
Delinquency Rate ? 0.81%
-23.0% YoY -5.4% QoQ
-0.08% 0.89%
+14.1% YoY
0.54%
+11.8% YoY
0.95%
+18.8% YoY
34%
Loan-to-Deposit Ratio ? 48.46%
-5.2% YoY -1.6% QoQ
-35.74% 84.20%
+0.3% YoY
73.64%
+1.6% YoY
76.70%
+0.9% YoY
Top 3.7% in tier
Non-Interest-Bearing Deposit Share ? 19.79%
-2.4% YoY +2.9% QoQ
-1.50% 21.29%
-2.5% YoY
20.84%
-0.7% YoY
22.01%
-1.2% YoY
51%
Nonperforming Asset Ratio ? 0.39%
-24.8% YoY -6.4% QoQ
-0.28% 0.67%
+15.6% YoY
0.34%
+10.8% YoY
0.67%
+19.3% YoY
54%
Tier 1 Capital Ratio ? 19.75%
+4.5% YoY +2.3% QoQ
+4.59% 15.16%
+2.0% YoY
17.50%
+3.0% YoY
17.06%
+0.8% YoY
Top 8.0% in tier
Non-Interest Income / Assets ? 0.17%
+9.9% YoY -72.4% QoQ
-0.09% 0.26%
+1.6% YoY
0.17%
+48.2% YoY
0.32%
+4.1% YoY
60%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

34
Loan-to-Deposit Ratio
liquidity
Value: 48.46%
Peer Median: 84.20%
#34 of 884 Top 3.7% in $1B-$10B
72
Tier 1 Capital Ratio
capital
Value: 19.75%
Peer Median: 15.16%
#72 of 884 Top 8.0% in $1B-$10B

Top Weaknesses (3 metrics)

820
Total Loans
size
Value: $667.53M
Peer Median: $1.96B
#820 of 884 Bottom 7.4% in $1B-$10B
707
Return on Assets
profitability
Value: 0.79%
Peer Median: 1.37%
#707 of 884 Bottom 20.1% in $1B-$10B
706
Efficiency Ratio
profitability
Value: 71.77%
Peer Median: 61.06%
#706 of 884 Bottom 20.2% in $1B-$10B
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