Security Financial Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Security Financial Bank is the primary bank subsidiary of its parent holding company, headquartered in Durand, WI. Total assets stand at $1.0B. Profitability is strong, 1.65% ROA, paired with 17.85% ROE and a 3.79% net interest margin. Regulatory capital is solid, 11.98% CET1 and 13.23% total risk-based capital ratio. Credit metrics are in line with industry norms, 1.44% NPL ratio. 8 branches make up the footprint.
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%, a Texas ratio of 10.97%, per financial data filed with the FFIEC.
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)
- Offices
- 8 domestic
- Employees (FTE)
- 127
- Domestic deposits
- $827.5M
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- $181K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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% | 1.54% | 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| 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
What the public regulatory sources show for Security Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Security Financial Bank headquartered?
Security Financial Bank is headquartered in Durand, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Security Financial Bank founded?
Security Financial Bank was established in 1934, per the FDIC institution directory.
Is Security Financial Bank FDIC-insured?
Yes. Security Financial Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Security Financial Bank's CET1 capital ratio?
Security Financial Bank 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?
Security Financial Bank 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?
Security Financial Bank's Texas Ratio is 10.97% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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