Security Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.40 percentage points higher than in Q1 2026, at 284.14%. Security Federal Savings Bank ranks 68th of 87 Indiana banks on return on assets, in the lower half at 0.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Security Federal Savings Bank sits 0.59 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.96% |
| Equity capital to assets | 10.20% |
| Tangible equity to tangible assets | 10.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 2.55% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 284.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 6.86% |
| Net interest margin | 3.78% |
| Efficiency ratio | 75.72% |
| Yield on earning assets | 5.80% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.40% |
| Core deposits to total deposits | 88.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.22% |
| Securities to assets | 6.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.62% | 15.62% | 16.82% | 10.58% | 0.67% |
| Q4 2023 | 15.45% | 15.45% | 16.63% | 10.69% | 0.48% |
| Q1 2024 | 15.33% | 15.33% | 16.51% | 10.71% | 0.52% |
| Q2 2024 | 15.19% | 15.19% | 16.36% | 10.84% | 0.33% |
| Q3 2024 | 14.87% | 14.87% | 15.99% | 10.74% | 0.36% |
| Q4 2024 | 14.41% | 14.41% | 15.51% | 10.58% | 0.28% |
| Q1 2025 | 14.33% | 14.33% | 15.42% | 10.14% | 0.18% |
| Q2 2025 | 13.93% | 13.93% | 15.00% | 9.96% | 0.33% |
| Q3 2025 | 13.86% | 13.86% | 14.93% | 9.85% | 0.56% |
| Q4 2025 | — | — | — | 9.71% | 0.69% |
| Q1 2026 | — | — | — | 9.81% | 0.80% |
| Q2 2026 | — | — | — | 10.96% | 0.66% |
Security Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28894) · FFIEC NIC profile (RSSD 32971)