Security Financial 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: 5.74 percentage points higher than in Q1 2026, at 99.99%. Within Wisconsin, Security Financial Bank is 38th of 153 on return on assets, 1.65% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Security Financial Bank sits 0.38 points higher, at 1.65% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.98% |
| Tier 1 risk-based capital ratio | 11.98% |
| Total risk-based capital ratio | 13.23% |
| Tier 1 leverage ratio | 9.67% |
| Equity capital to assets | 9.53% |
| Tangible equity to tangible assets | 8.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.44% |
| Non-performing assets ratio | 1.09% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 10.97% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 99.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 17.85% |
| Net interest margin | 3.79% |
| Efficiency ratio | 54.13% |
| Yield on earning assets | 5.80% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.60% |
| Core deposits to total deposits | 85.22% |
| Brokered deposits to total deposits | 7.43% |
| Deposits to assets | 79.51% |
| Securities to assets | 21.46% |
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 | 11.66% | 11.66% | 12.91% | 9.03% | 1.15% |
| Q4 2023 | 11.30% | 11.30% | 12.55% | 9.07% | 0.96% |
| Q1 2024 | 11.70% | 11.70% | 12.95% | 9.16% | 0.78% |
| Q2 2024 | 11.72% | 11.72% | 12.97% | 9.26% | 0.88% |
| Q3 2024 | 11.83% | 11.83% | 13.09% | 9.16% | 0.66% |
| Q4 2024 | 12.01% | 12.01% | 13.26% | 9.26% | 1.05% |
| Q1 2025 | 11.79% | 11.79% | 13.04% | 9.38% | 1.19% |
| Q2 2025 | 11.83% | 11.83% | 13.08% | 9.48% | 1.34% |
| Q3 2025 | 11.65% | 11.65% | 12.90% | 9.27% | 1.46% |
| Q4 2025 | 11.75% | 11.75% | 13.00% | 9.51% | 1.55% |
| Q1 2026 | 11.71% | 11.71% | 12.96% | 9.48% | 1.59% |
| Q2 2026 | 11.98% | 11.98% | 13.23% | 9.67% | 1.65% |
Security Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14222) · FFIEC NIC profile (RSSD 450959)