Security Federal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Federal Bank of Aiken, SC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.93% | 1.46% | -0.53% | 25th below |
| ROAE | 9.77% | 12.72% | -2.95% | 30th below |
| Net Interest Margin | 3.28% | 3.85% | -0.57% | 25th below |
| Efficiency Ratio | 68.70% | 57.40% | +11.30% | 23rd bottom |
| PPNR / Avg Assets | 1.17% | 1.88% | -0.71% | 22nd bottom |
| Yield on Earning Assets | 4.98% | 5.72% | -0.74% | 19th bottom |
| Cost of Funds | 1.81% | 2.02% | -0.21% | 62nd above |
| Net Interest Spread | 2.73% | 3.18% | -0.45% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 1.00% | -0.15% | 38th below |
| NPA / Total Assets | 0.43% | 0.76% | -0.33% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 37th below |
| ACL / Total Loans | 1.98% | 1.31% | +0.67% | 96th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 231.91% | 543.54% | -311.63% | 60th above |
| Texas Ratio | 4.06% | 7.39% | -3.33% | 56th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 180.41% | 618.91% | -438.50% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.98% | 17.33% | +2.65% | 91st top |
| Tier 1 Ratio | 19.98% | 17.37% | +2.61% | 91st top |
| Total Capital Ratio | 21.23% | 18.42% | +2.81% | 92nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.83% | 11.44% | -0.61% | 57th above |
| Equity / Assets | 9.83% | 11.34% | -1.51% | 39th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.76% | 10.50% | -0.74% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.78% | 86.97% | -36.19% | 96th top |
| Core Deposit Ratio | 92.87% | 85.55% | +7.32% | 73rd above |
| Uninsured Deposit Ratio | 24.09% | 33.13% | -9.04% | 73rd above |
| Wholesale Funding Ratio | 1.05% | 5.71% | -4.66% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.21% | 9.69% | -10.90% | 11th bottom |
| Loan Growth (Y/Y) | -1.47% | 8.06% | -9.53% | 11th bottom |
| Deposit Growth (Y/Y) | -1.70% | 7.88% | -9.58% | 11th bottom |
See Security Federal Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Federal Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Security Federal Bank profile, how to read a UBPR, or how this data updates.