Security First Bank
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Data as of · sourced from FFIEC call reports. How we update
Security First Bank is an FDIC-insured commercial bank headquartered in Lincoln, NE, established in 1924 (FDIC certificate 5415), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.32B, up 14.6% from Q2 2025, the 5th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.03% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5415
- Headquarters
- Lincoln, NE
- Established
- 1924
- Total assets, Q2 2026
- $2.32B
- Assets vs Q2 2025
- +14.6%
- CET1 ratio, Q2 2026
- 11.03%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 104113819
- Holding company
- STOCKMENS FINANCIAL CORPORATION
- Asset rank in state
- 5th of 138 in Nebraska
Security First Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $2.3 billion at June 30, 2026, up 14.6% from a year earlier; it is based in Lincoln, Nebraska. It funds 8.30% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also grew deposits 17.8% over the year, 3.5 times the median of 5.1% for banks its size.
Net income for the quarter rose 13% from a year earlier, to $5.3 million. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.17% of loans from 0.35%. Profitability lags: it earns about $0.92 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Security First Bank reported a CET1 capital ratio of 11.03%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.32%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Security First Bank is the 5th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.5% to $2.32B, loans rose 8.4% and deposits rose 8.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 17.0% of total loans, ahead of 1-4 family residential loans at 13.8%. The FDIC Summary of Deposits lists 35 offices for it, in 30 cities across 2 states; its Rapid City 2 offices book 18% of its branch deposits. By the capital ratios in its Q2 2026 call report, Security First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5505 Red Rock Ln, Lincoln, NE 68516
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1924
- Former names
- The Security Bank, Sidney (1990-1999); Security National Bank (1987-1990)
- Domestic offices
- 36 FDIC institution directory, current count
- Employees (FTE)
- 329
- Domestic deposits
- $2.03B
- Allowance for credit losses
- $20.9M
- Net charge-offs (YTD)
- -$79K
- Average total assets
- $2.31B
- Average total loans
- $1.57B
- Average interest-bearing deposits
- $1.78B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5415
- Fed RSSD
- 276850
- Website
- http://www.security1stbank.com →
- Parent Holding Company
- STOCKMENS FINANCIAL CORPORATION (RSSD 2360454)
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
Security First Bank's total assets moved between a low of $1.77B (Q3 2023) and a high of $2.32B (Q2 2026) from Q3 2023 to 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
$2.32B total assets against $2.03B; $2.10B total liabilities against $1.85B.
$1.57B net loans and leases against $1.35B; $2.03B total deposits against $1.72B.
$334.8M securities against $292.2M; $304.1M cash and balances due against $292.0M.
$30.0M total interest income against $27.2M; $10.9M total interest expense against $12.0M.
$19.0M net interest income against $15.2M.
$4.0M total noninterest income against $3.2M; $15.4M total noninterest expense against $11.6M.
$1.0M provision for credit losses against $1.1M.
$5.3M net income against $4.7M.
0.92% return on assets against 0.93%; 3.47% net interest margin against 3.13%.
11.03% CET1 capital ratio against 11.13%; 8.30% tier 1 leverage ratio against 8.25%.
Inside the full Security First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Security First Bank rankings
Its closest position to the top of a national ranking is 529 of 4,196, for total assets; its furthest is 1,946 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q1 2026) to 1.04% (Q4 2025) and its net interest margin ran from 3.01% (Q3 2024) to 3.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.03% | 0.92% | 0.17% | 1.32% | 3.47% |
| Q1 2026 | 11.39% | 0.67% | 0.24% | 1.88% | 3.25% |
| Q4 2025 | 11.30% | 1.04% | 0.36% | 2.92% | 3.22% |
| Q3 2025 | 11.37% | 0.92% | 0.46% | 3.68% | 3.27% |
| Q2 2025 | 11.13% | 0.93% | 0.35% | 4.57% | 3.13% |
| Q1 2025 | 11.10% | 0.72% | 0.59% | 4.47% | 3.02% |
| Q4 2024 | 11.31% | 1.00% | 0.67% | 5.21% | 3.01% |
| Q3 2024 | 11.34% | 0.79% | 0.54% | 3.02% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 35 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 |
|---|---|---|---|
| Rapid City Branch | Rapid City , SD | 57702 | $332.6M |
| Security First Bank (main office) | Lincoln , NE | 68516 | $247.6M |
| Beatrice Branch | Beatrice , NE | 68310 | $220.7M |
| Rushville Branch | Rushville , NE | 69360 | $178.6M |
| Valentine Branch | Valentine , NE | 69201 | $136.7M |
| Sidney Branch | Sidney , NE | 69162 | $133.4M |
| Martin Branch | Martin , SD | 57551 | $94.5M |
| Hay Springs Branch | Hay Springs , NE | 69347 | $54.9M |
| Security First Bank, Chadron Branch | Chadron , NE | 69337 | $53.8M |
| Security First Bank - Buffalo Crossing Branch | Rapid City , SD | 57701 | $41.2M |
| Atkinson Branch | Atkinson , NE | 68713 | $39.2M |
| Cozad Branch | Cozad , NE | 69130 | $34.4M |
| Harrison Branch | Harrison , NE | 69346 | $32.3M |
| Burwell Branch | Burwell , NE | 68823 | $31.8M |
| Thedford Branch | Thedford , NE | 69166 | $29.9M |
| Callaway Branch | Callaway , NE | 68825 | $29.0M |
| Ord Branch | Ord , NE | 68862 | $28.4M |
| Blue Springs Branch | Blue Springs , NE | 68318 | $28.4M |
| North 6th Street Branch | Beatrice , NE | 68310 | $27.6M |
| O'Neill Branch | O'Neill , NE | 68763 | $26.1M |
| Crawford Branch | Crawford , NE | 69339 | $24.6M |
| Broken Bow Branch | Broken Bow , NE | 68822 | $23.8M |
| Elwood Branch | Elwood , NE | 68937 | $22.0M |
| Garret Lane Branch | Lincoln , NE | 68512 | $19.2M |
| Overton Branch | Overton , NE | 68863 | $18.8M |
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 |
|---|---|---|---|
| February 2, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2010 | Structure Change | Acquired The First National Bank of Valentine Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 2008 | Structure Change | Acquired The First National Bank & Trust Company of Beatrice Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1999 | Structure Change | Acquired Stockmens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1999 | Structure Change | Acquired The Martell State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 1998 | Structure Change | Acquired The Home Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 3, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 1997 | Structure Change | Acquired Leffler Bank Holding Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | Structure Change | Acquired Nebraska State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 1993 | Structure Change | Acquired Crawford State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1988 | Structure Change | Acquired The Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 1987 | Structure Change | Acquired Sidney National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 2, 1994, OCC: Formal Agreement: First Security National Bank
- Period: Most recent institution action March 2, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.6% of deposits in NE, rank 10 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 443 applications, 382 loans originated, $126.5M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.8M approved, $360K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 First Bank
What are Security First Bank's total assets?
As of the Q2 2026 filing, Security First Bank reported total assets of $2.32 billion in its FFIEC call report.
Where is Security First Bank headquartered?
It is headquartered in Lincoln, NE, United States.
When was Security First Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Security First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security First Bank?
Security First Bank's primary federal regulator is the FDIC.
What is Security First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.03% in its Q2 2026 call report, above regulatory requirements.
How many branches does Security First Bank operate?
It operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security First Bank's Texas Ratio?
Its Texas Ratio is 1.32% 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 First Bank previously called?
The charter now named Security First Bank has also operated as The Security Bank, Sidney (1990-1999), Security National Bank (1987-1990), per FDIC structure-change records.
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