Security First Bank: Financial Reports & UBPR Data
BankRegReports is independent of Security First Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Security First Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $2.3 billion at June 30, 2026, up 14.6% from a year earlier; it is based in Lincoln, Nebraska. It funds 8.30% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also grew deposits 17.8% over the year, 3.5 times the median of 5.1% for banks its size.
Net income for the quarter rose 13% from a year earlier, to $5.3 million. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.17% of loans from 0.35%. Profitability lags: it earns about $0.92 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Security First Bank reported a CET1 capital ratio of 11.03%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.32%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5505 Red Rock Ln, Lincoln, NE 68516
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1924
- Former names
- The Security Bank, Sidney (1990-1999); Security National Bank (1987-1990)
- Offices
- 37 domestic
- Employees (FTE)
- 329
- Domestic deposits
- $2.03B
- Allowance for credit losses
- $20.9M
- Net charge-offs (YTD)
- -$79K
- Average total assets
- $2.31B
- Average total loans
- $1.57B
- Average interest-bearing deposits
- $1.78B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5415
- Fed RSSD
- 276850
- Website
- http://www.security1stbank.com →
- Parent Holding Company
- STOCKMENS FINANCIAL CORPORATION (RSSD 2360454)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Security First Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Security First Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Security First Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.03% | 0.92% | 0.17% | 1.32% | 3.47% |
| Q1 2026 | 11.39% | 0.67% | 0.24% | 1.88% | 3.25% |
| Q4 2025 | 11.30% | 1.04% | 0.36% | 2.92% | 3.22% |
| Q3 2025 | 11.37% | 0.92% | 0.46% | 3.68% | 3.27% |
| Q2 2025 | 11.13% | 0.93% | 0.35% | 4.57% | 3.13% |
| Q1 2025 | 11.10% | 0.72% | 0.59% | 4.47% | 3.02% |
| Q4 2024 | 11.31% | 1.00% | 0.67% | 5.21% | 3.01% |
| Q3 2024 | 11.34% | 0.79% | 0.54% | 3.02% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 35 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rapid City Branch | Rapid City , SD | 57702 | $332.6M |
| Security First Bank (main office) | Lincoln , NE | 68516 | $247.6M |
| Beatrice Branch | Beatrice , NE | 68310 | $220.7M |
| Rushville Branch | Rushville , NE | 69360 | $178.6M |
| Valentine Branch | Valentine , NE | 69201 | $136.7M |
| Sidney Branch | Sidney , NE | 69162 | $133.4M |
| Martin Branch | Martin , SD | 57551 | $94.5M |
| Hay Springs Branch | Hay Springs , NE | 69347 | $54.9M |
| Security First Bank, Chadron Branch | Chadron , NE | 69337 | $53.8M |
| Security First Bank - Buffalo Crossing Branch | Rapid City , SD | 57701 | $41.2M |
| Atkinson Branch | Atkinson , NE | 68713 | $39.2M |
| Cozad Branch | Cozad , NE | 69130 | $34.4M |
| Harrison Branch | Harrison , NE | 69346 | $32.3M |
| Burwell Branch | Burwell , NE | 68823 | $31.8M |
| Thedford Branch | Thedford , NE | 69166 | $29.9M |
| Callaway Branch | Callaway , NE | 68825 | $29.0M |
| Ord Branch | Ord , NE | 68862 | $28.4M |
| Blue Springs Branch | Blue Springs , NE | 68318 | $28.4M |
| North 6th Street Branch | Beatrice , NE | 68310 | $27.6M |
| O'Neill Branch | O'Neill , NE | 68763 | $26.1M |
| Crawford Branch | Crawford , NE | 69339 | $24.6M |
| Broken Bow Branch | Broken Bow , NE | 68822 | $23.8M |
| Elwood Branch | Elwood , NE | 68937 | $22.0M |
| Garret Lane Branch | Lincoln , NE | 68512 | $19.2M |
| Overton Branch | Overton , NE | 68863 | $18.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 2, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2010 | Structure Change | Acquired The First National Bank of Valentine Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 2008 | Structure Change | Acquired The First National Bank & Trust Company of Beatrice Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1999 | Structure Change | Acquired Stockmens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1999 | Structure Change | Acquired The Martell State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 1998 | Structure Change | Acquired The Home Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 3, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 1997 | Structure Change | Acquired Leffler Bank Holding Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | Structure Change | Acquired Nebraska State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 1993 | Structure Change | Acquired Crawford State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1988 | Structure Change | Acquired The Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 1987 | Structure Change | Acquired Sidney National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Security First Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- March 2, 1994, OCC: Formal Agreement: First Security National Bank
- Period: Most recent institution action March 2, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.6% of deposits in NE, rank 10 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 443 applications, 382 loans originated, $126.5M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.8M approved, $360K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Security First Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Security First Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Security First Bank
What are Security First Bank's total assets?
As of the Q2 2026 filing, Security First Bank reported total assets of $2.32 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Security First Bank headquartered?
Security First Bank is headquartered in Lincoln, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Security First Bank founded?
Security First Bank was established in 1924, per the FDIC institution directory.
Is Security First Bank FDIC-insured?
Yes. Security First Bank is an FDIC-insured commercial bank (FDIC Certificate #5415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security First Bank?
Security First Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Security First Bank's CET1 capital ratio?
Security First Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.03% in its Q2 2026 call report, above regulatory requirements.
How many branches does Security First Bank operate?
Security First Bank operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security First Bank's Texas Ratio?
Security First Bank's Texas Ratio is 1.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Security First Bank previously called?
The charter now named Security First Bank has also operated as The Security Bank, Sidney (1990-1999), Security National Bank (1987-1990), per FDIC structure-change records.
Go deeper on Security First Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Security First Bank, freeFree account