| Metric | Security Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +5.5% | -6.7 pts |
| Deposit growth (YoY) | -1.7% | +5.1% | -6.8 pts |
| Loan growth (YoY) | -1.5% | +5.9% | -7.4 pts |
| ROA | 0.86% | 1.26% | -0.4 pts |
| ROE | 9.1% | 12.2% | -3.1 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.54B | $1.36B | $677.7M | $151.3M | $6.7M | 0.86% | 3.30% | 0.43% |
| Q1 2026 | $1.56B | $1.38B | $667.5M | $147.0M | $3.1M | 0.79% | 3.26% | 0.39% |
| Q4 2025 | $1.55B | $1.37B | $676.2M | $144.3M | $11.1M | 0.72% | 3.15% | 0.42% |
| Q3 2025 | $1.55B | $1.37B | $678.1M | $138.9M | $8.1M | 0.70% | 3.09% | 0.41% |
| Q2 2025 | $1.56B | $1.39B | $687.7M | $140.1M | $5.0M | 0.65% | 3.02% | 0.43% |
| Q1 2025 | $1.52B | $1.35B | $689.9M | $136.0M | $2.6M | 0.68% | 3.02% | 0.52% |
| Q4 2024 | $1.55B | $1.33B | $687.1M | $128.8M | $8.6M | 0.58% | 2.93% | 0.55% |
| Q3 2024 | $1.51B | $1.28B | $686.7M | $131.0M | $5.7M | 0.51% | 2.88% | 0.51% |
Loan mix (Q2 2026): real estate $625.8M · commercial $42.6M · consumer $23.0M · securities $699.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.26% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 12.2% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 59.0% | 80th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Security Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Security Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Security Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Security Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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