SECURITY FEDERAL BANK

AIKEN, SC | Large | Est. Jan. 1, 1922, midnight | FDIC #31100 | RSSD #763677 | FDIC
Latest Report: 2025-12-31

SECURITY FEDERAL BANK is aln large FDIC-insured commercial bank headquartered in AIKEN, SC, established in Jan. 1, 1922, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 0.76% ROA and 8.36% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 19.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.84% and a Texas Ratio of 4.15%. FDIC Certificate #31100.

Assets

$1.6B

Deposits

$1.4B

Loans

$690M

Equity

$144M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 8.36%
Net Interest Margin (NIM) 3.39%
Yield on Assets 5.36%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.84%
Net Charge-Off Ratio 0.02%
Texas Ratio 4.15%
NPA Ratio 0.42%
ACL / Loans 1.96%

Capital & Liquidity

CET1 Ratio 19.30%
Tier 1 Capital 19.30%
Total Capital Ratio 20.56%
Leverage Ratio 10.18%
Loan-to-Deposit 50.24%

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