Security Financial Bank
Total assets
$1.04B
▲ +6.0% YoY
Deposits
$827.5M
▲ +2.6% YoY
Loans
$747.1M
▲ +8.1% YoY
Offices
8
SECURITY FINL SERVICES CORP
ROA (annualized)
1.64%
peers 1.26%
ROE (annualized)
17.42%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +5.5% | +0.5 pts |
| Deposit growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Loan growth (YoY) | +8.1% | +5.9% | +2.1 pts |
| ROA | 1.64% | 1.26% | +0.4 pts |
| ROE | 17.4% | 12.2% | +5.3 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FED
- Holding company
- SECURITY FINL SERVICES CORP
- Specialization
- Agricultural Specialization
- Address
- 212 W Prospect St, Durand, WI, 54736
- County
- Pepin
- Offices
- 8
- FDIC cert #
- 14222
- RSSD ID
- 450959
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.04B | $827.5M | $747.1M | $99.2M | $8.4M | 1.64% | 3.81% | 1.09% |
| Q1 2026 | $1.02B | $822.7M | $732.2M | $94.7M | $4.1M | 1.60% | 3.75% | 1.16% |
| Q4 2025 | $1.03B | $837.8M | $724.8M | $96.6M | $13.8M | 1.41% | 3.57% | 1.13% |
| Q3 2025 | $988.3M | $809.2M | $701.1M | $91.1M | $9.9M | 1.35% | 3.49% | 1.21% |
| Q2 2025 | $982.1M | $806.8M | $691.3M | $87.6M | $6.2M | 1.28% | 3.40% | 0.90% |
| Q1 2025 | $970.4M | $801.3M | $675.1M | $84.2M | $2.9M | 1.20% | 3.29% | 0.16% |
| Q4 2024 | $953.5M | $781.6M | $659.8M | $80.9M | $8.0M | 0.87% | 2.93% | 0.18% |
| Q3 2024 | $958.5M | $764.7M | $650.9M | $83.7M | $5.5M | 0.79% | 2.84% | 0.26% |
Loan mix (Q2 2026): real estate $550.1M · commercial $135.5M · consumer $4.2M · securities $223.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Security Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 59.0% | 36th | |
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% |
Balance sheet
| Ratio | Security Financial 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% |
Capital
| Ratio | Security Financial 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% |
Credit quality
| Ratio | Security Financial 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% |
Franchise
| Ratio | Security Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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