# SECURITY FINANCIAL BANK
DURAND, WI · FDIC certificate 14222 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.04B | |
| Deposits | $827.5M | |
| Loans and leases | $758.0M | |
| Total equity | $99.2M | |
| Loans / deposits | 90.28% (p60 of band) | 87.10% |
| Liquid assets / assets | 23.20% (p58 of band) | |
| Uninsured deposits / deposits | 21.98% (p22 of band) | 30.76% |
| Brokered deposits | 5.91% | |
| Wholesale funding | 16.35% (p83 of band) | |
| FHLB advances / assets | 10.44% | |
| Tier 1 leverage | 9.67% (p28 of band) | 10.50% |
| Unrealized securities loss / equity | -8.25% (p47 of band) | -7.75% |
| AOCI / equity | -0.64% (p29 of band) | |
| ROA (annualized) | 1.64% (p76 of band) | 1.26% |
| Net interest margin | 3.81% (p56 of band) | 3.70% |
| Efficiency ratio | 54.49% (p37 of band) | |
| Noncurrent loans | 1.44% (p83 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p57 of band) | |
| Reserve coverage of noncurrent | 99.99% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 76.98% (p76 of band) | |
| Auto loans | $61,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 127 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 |  | brokered >10% |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | assets shrinking |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | wholesale funding >15% |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 | uninsured deposits leaving | capital falling |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 0 |  | wholesale funding >15% |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | wholesale funding >15% |  |
| 2018-09 | 1 | capital falling | wholesale funding >15% |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [MidCountry Bank names Community Resource Bank CEO as next leader - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVVhkLWcxY29yRUQtOFdUd1c3dmlBV08zSGRsNE5TaFNMT2RUX3duWlZUdlBNdGZrWmQ2SEZtdE5yY0VnSmZDdWRuRS1DbE1mZEFFVlJDbjI0QUlGOE51UTF5dWJsV1N0WmdvdXQ0bG1aMXlmWEt0VEJuSGJ1eFJtZmdwUXNPMGlHVUN2RVFTRU92TlFIUTRUUDdVdzFSMW9zOVNrQXJsaWVvSjA?oc=5) · The Business Journals
- 2026-06-11 [New members named to Minneapolis Fed advisory council - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMipgFBVV95cUxORF9Vazd4dmVnWlp6S09wbjBxUDE5V1RfbXVEbUcxc0ZhaG5HYXZCeTFIZjRUYnlhZE1aTnAxZkV5eW42bm8tbWdwMUFENFRsYnJQQlhSeG1mT3lLb0FNVHB6VGkwdnBPWm1nSnBBYWcza2lfclg4R2thOXhFTnJkdlM4REtHQlNHVWhKc2JHbFpHT0VzNXJ5Rm51OGQ0UjFYZUZNcE93?oc=5) · Federal Reserve Bank of Minneapolis
- 2025-10-14 [Security Financial Bank Announces Plans For 25,000-Square-Foot Office in E.C. - Volume One](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdGtueVRVMTZUR09MNGpVRi1aSVVRVV9LQm1GMXhzbmg2WGdFN0ZaRlZzMDlDb2YwZGtJQmFSNW9LTkludU1FdHpXOGFENHhKTC1ZUXhFOE1KY0tMU3ZWd1I4Y2Zoak9aS0NxZG1rc2k4U2paUlB5Z0g3ZWtFcUg1U2NjSE45ZnVENy1kNEZUM1BIZktQMnhLY3ZoUy1nTC1rSGhOY2NiSQ?oc=5) · Volume One
- 2026-06-15 [Wausau banker to serve on Wisconsin Bankers Association Board - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNE5FM0JheThjMFFRMGdSYTNIVzl5dkJGT2Vhd29Eb3BDNDRVd09lbGk5WXotTUlCOVFsWTdod0tmQ2plUDNWeURuS0lPNnAxaUlfVFZ1czhlLURqdkZIR1dxeWoyVVpaWWRhTU1Kak5JTUN6UkUxbkZSRzdWd1lfeVAwa3djNVlERnBjd3RsWlNhNmNlYjhoUTBOZ2lrcW9uamhFZlRVbGo0UQ?oc=5) · Wausau Pilot & Review
- 2026-04-07 [Thomas Lohmar Schiefelbein Obituary Apr 7, 2026 - Pagenkopf Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBYcFBaNGExVkJ6MjBaMC1GelVRcTY3MzlXZWwwMS1LUDFRSW0wWXRXN3p1YlpxOG9UWEJGNE1rUHhSR3M2TmQ3RHp6YXc2QjN4WFNhQkxsZlVmTl9KNWpGWUxhQzJFbDg?oc=5) · Pagenkopf Funeral Home
- 2026-02-11 [Rusk Area Chamber Annual Meeting Jan. 29 - The Ladysmith News](https://news.google.com/rss/articles/CBMijAFBVV95cUxPTkNrUGpwRFNpTXZPcnJ5b05najMydUF6MVR1RlNESks5M19sajlTbWdxVDYzWFoybFJOZm00dUtRZlFCeGtDY1FKWUF5VlBjSVVORjB3Z1h5UTBaQlFsamR0ZlR5aEVmbklJWEMyaVNxYVRpc3BsZTJ6NFRfZ2xreFJTMEJtQ29CLVdGcQ?oc=5) · The Ladysmith News
- 2026-03-11 [SCEDC celebrates 2025 Business of the Year award winners - Pierce County Journal](https://news.google.com/rss/articles/CBMirAFBVV95cUxPRUhvd0pFQkdlSVVjOXBSSURzamZHblFJNnhUdUlnUFA2UmlKWUNqM3hSVTJEVFZnM3hwUFZlanI1cTJxREZxUWdBbzA1d0VIWnN2WlJpZ0N4Yjh2aUtNRFdzR3l0TkdfbzBIT0VONElBT21qSEdGWVFCZlBhdDJnRXVrVUVVT19CY0JJMkNPNTJITm01Q0RhaDJ1WHVMWjNxenNIalNsc0o0TEho?oc=5) · Pierce County Journal
- 2025-12-06 [$15.5 million USDA loan will help Wisconsin's sole cottage cheese manufacturer expand - Wisconsin Farmer](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPNkROYTlkdENWVUdNNExLWjNLM19Jb3ZZN2V2R2lmb1E3SE42VV9VcDVJQmFQakZfVk5TckpXTHA4S1EwM29vTVJYNUllM0dyZ1ZlRTdPQ21tNGJxLW1NT2l6NTdKUDRRTWRZMGVHVW1mWWhjUzZnZ1NYc3R3ODlITGVabTlFTmVFRlRDaDJRenRkemI4OTZJVXpSV0RHbE02WWVtUHlsdDlwTkhNMW1qVl95TjlEZXhmTXRVWVV5VUJXeG1SMFNXTg?oc=5) · Wisconsin Farmer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14222 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "14222", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide