| Metric | Security First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +5.5% | +9.1 pts |
| Deposit growth (YoY) | +17.8% | +5.1% | +12.7 pts |
| Loan growth (YoY) | +16.0% | +5.9% | +10.1 pts |
| ROA | 0.81% | 1.26% | -0.5 pts |
| ROE | 9.1% | 12.2% | -3.1 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.32B | $2.03B | $1.57B | $217.0M | $9.0M | 0.81% | 3.42% | 0.12% |
| Q1 2026 | $2.14B | $1.87B | $1.44B | $189.6M | $3.6M | 0.67% | 3.27% | 0.17% |
| Q4 2025 | $2.20B | $1.89B | $1.42B | $186.9M | $18.8M | 0.90% | 3.19% | 0.26% |
| Q3 2025 | $2.04B | $1.73B | $1.35B | $180.9M | $13.1M | 0.85% | 3.16% | 0.34% |
| Q2 2025 | $2.03B | $1.72B | $1.35B | $174.4M | $8.5M | 0.82% | 3.11% | 0.41% |
| Q1 2025 | $2.05B | $1.76B | $1.33B | $168.7M | $3.7M | 0.72% | 3.06% | 0.39% |
| Q4 2024 | $2.08B | $1.74B | $1.31B | $163.3M | $15.6M | 0.79% | 2.93% | 0.43% |
| Q3 2024 | $1.96B | $1.59B | $1.30B | $166.4M | $10.5M | 0.72% | 2.90% | 0.36% |
Loan mix (Q2 2026): real estate $1.10B · commercial $132.4M · consumer $131.2M · securities $334.8M
| Ratio | Security First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 12.2% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 59.0% | 74th |
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 First 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 First 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 First 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 First 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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