Security Financial Bank
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Data as of · sourced from FFIEC call reports. How we update
Security Financial Bank is an FDIC-insured commercial bank headquartered in Durand, WI, established in 1934 (FDIC certificate 14222), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.04B, up 6.0% from Q2 2025, the 29th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.98% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14222
- Headquarters
- Durand, WI
- Established
- 1934
- Total assets, Q2 2026
- $1.04B
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 11.98%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 091803274
- Holding company
- SECURITY FINANCIAL SERVICES CORPORATION
- Asset rank in state
- 29th of 153 in Wisconsin
Security Financial Bank, based in Durand, Wisconsin, reported $1.0 billion in assets at June 30, 2026, up 6.0% from a year earlier. It carries problem assets equal to 11.0% of the capital and reserves that would absorb them, about triple the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it returns 17.9% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
The commercial and industrial book ($135 million) is worsening: 7.81% of it is past due or on nonaccrual, up from 1.88% a year earlier. Earnings jumped: net income for the quarter was $4.3 million, 31% above the same quarter a year earlier. Where it has less room is capital: it holds common equity equal to 11.98% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Security Financial Bank reported a CET1 capital ratio of 11.98%, a return on assets of 1.65%, a nonperforming-loan ratio of 1.44% and a Texas ratio of 10.97%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Security Financial Bank is the 29th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.9% to $1.04B, loans rose 2.0% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 18.5% of total loans, followed by commercial and industrial loans at 17.9%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in WI; its Durand office books 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, Security Financial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 212 W Prospect St, Durand, WI 54736
- County
- Pepin
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1934
- Former names
- Security National Bank (2002-2007); Security National Bank of Durand (2000-2002)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 127
- Domestic deposits
- $827.5M
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- $181K
- Average total assets
- $1.05B
- Average total loans
- $752.1M
- Average interest-bearing deposits
- $662.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 10, 1934
- FDIC Cert
- 14222
- Fed RSSD
- 450959
- Website
- www.sfbank.com →
- Parent Holding Company
- SECURITY FINANCIAL SERVICES CORPORATION (RSSD 2848804)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security Financial Bank's total assets ranged from $842.5M (Q3 2023) to $1.04B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.04B total assets against $982.1M; $941.6M total liabilities against $894.5M.
$747.1M net loans and leases against $691.3M; $827.5M total deposits against $806.8M.
$223.4M securities against $214.6M; $18.1M cash and balances due against $30.2M.
$14.4M total interest income against $12.9M; $5.0M total interest expense against $4.9M.
$9.4M net interest income against $8.0M.
$798K total noninterest income against $891K; $5.6M total noninterest expense against $5.0M.
$300K provision for credit losses against $225K.
$4.3M net income against $3.3M.
1.65% return on assets against 1.34%; 3.79% net interest margin against 3.43%.
11.98% CET1 capital ratio against 11.83%; 9.67% tier 1 leverage ratio against 9.48%.
Inside the full Security Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Financial Bank rankings
Its closest position to the top of a national ranking is 551 of 3,640, for Texas Ratio; its furthest is 1,716 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q3 2024) to 1.65% (Q2 2026) and its net interest margin ran from 2.80% (Q3 2024) to 3.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.98% | 1.65% | 1.44% | 10.97% | 3.79% |
| Q1 2026 | 11.71% | 1.59% | 1.54% | 12.01% | 3.68% |
| Q4 2025 | 11.75% | 1.55% | 1.52% | 11.59% | 3.69% |
| Q3 2025 | 11.65% | 1.46% | 1.61% | 12.60% | 3.52% |
| Q2 2025 | 11.83% | 1.34% | 1.19% | 9.72% | 3.43% |
| Q1 2025 | 11.79% | 1.19% | 0.16% | 1.75% | 3.20% |
| Q4 2024 | 12.01% | 1.05% | 0.19% | 2.08% | 3.02% |
| Q3 2024 | 11.83% | 0.66% | 0.37% | 2.82% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Security Financial Bank (main office) | Durand , WI | 54736 | $310.3M |
| Bloomer Branch | Bloomer , WI | 54724 | $147.8M |
| Black River Falls Main Office Branch | Black River Falls , WI | 54615 | $105.0M |
| Ladysmith Branch | Ladysmith , WI | 54848 | $103.2M |
| Eau Claire Branch | Eau Claire , WI | 54701 | $97.3M |
| River Falls Branch | River Falls , WI | 54022 | $43.0M |
| Alma Center Branch | Alma Center , WI | 54611 | $14.8M |
| Highway 54 Branch | Black River Falls , WI | 54615 | $6.1M |
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 |
|---|---|---|---|
| August 21, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 21, 2021 | Structure Change | Acquired Jackson County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 14, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2018 | Structure Change | Acquired Pioneer Bank of Wisconsin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2014 | Structure Change | Acquired Peoples State Bank of Bloomer Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 14, 2009, Federal Reserve: Written Agreement: Security Financial Services Corporation, Durand, Wisconsin; Security Financial Bank, Durand, Wisconsin
- Period: Most recent institution action September 14, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in WI, rank 35 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 205 applications, 156 loans originated, $60.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $495K approved, $124K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Security Financial Bank
What are Security Financial Bank's total assets?
As of the Q2 2026 filing, Security Financial Bank reported total assets of $1.04 billion in its FFIEC call report.
Where is Security Financial Bank headquartered?
It is headquartered in Durand, WI, United States.
When was Security Financial Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Security Financial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Financial Bank?
Security Financial Bank's primary federal regulator is the Federal Reserve.
What is Security Financial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.98% in its Q2 2026 call report, above regulatory requirements.
How many branches does Security Financial Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security Financial Bank's Texas Ratio?
Its Texas Ratio is 10.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Security Financial Bank previously called?
The charter now named Security Financial Bank has also operated as Security National Bank (2002-2007), Security National Bank of Durand (2000-2002), per FDIC structure-change records.
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