Security Federal Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 47.5% in Q2 2026, from $1.7M to $908K. It was the largest change from Q1 2026 among the key lines here. Security Federal Bank ranks 38th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 50.78% (Q2 2026). Security Federal Bank reported 50.78% on loan-to-deposit ratio for Q2 2026, 37.42 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $691.4M |
| Net loans and leases | $677.7M |
| Loans held for sale | $908K |
| Loans to total assets | 44.91% |
| Loan-to-deposit ratio | 50.78% |
| Net loans to equity capital | 4.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.08% |
| Multifamily (5+ residential) | 4.69% |
| Commercial and industrial | 6.16% |
| Consumer | 3.33% |
| Credit cards | 0.56% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 139.55% |
| Construction concentration (Tier 1 capital + allowance) | 44.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.33% |
| Interest income on loans | $10.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $610.4M | $1.21B | 41.85% | 5.30% | 4.01% |
| Q4 2023 | $635.1M | $1.22B | 41.58% | 4.99% | 3.86% |
| Q1 2024 | $658.8M | $1.23B | 40.50% | 4.20% | 3.73% |
| Q2 2024 | $668.2M | $1.26B | 39.44% | 4.34% | 3.73% |
| Q3 2024 | $700.3M | $1.28B | 41.76% | 4.16% | 3.42% |
| Q4 2024 | $701.0M | $1.33B | 41.05% | 5.20% | 3.41% |
| Q1 2025 | $703.9M | $1.35B | 41.12% | 4.43% | 3.39% |
| Q2 2025 | $701.7M | $1.39B | 41.46% | 4.50% | 3.45% |
| Q3 2025 | $691.7M | $1.37B | 43.79% | 4.42% | 3.52% |
| Q4 2025 | $689.7M | $1.37B | 42.71% | 5.32% | 3.47% |
| Q1 2026 | $681.2M | $1.38B | 42.91% | 5.22% | 3.33% |
| Q2 2026 | $691.4M | $1.36B | 42.08% | 6.16% | 3.33% |
Security Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31100) · FFIEC NIC profile (RSSD 763677)