# SECURITY FEDERAL BANK
AIKEN, SC · FDIC certificate 31100 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $1.54B | |
| Deposits | $1.36B | |
| Loans and leases | $691.4M | |
| Total equity | $151.3M | |
| Loans / deposits | 49.78% (p4 of band) | 87.10% |
| Liquid assets / assets | 50.19% (p95 of band) | |
| Uninsured deposits / deposits | 24.09% (p28 of band) | 30.76% |
| Brokered deposits | 0.06% | |
| Wholesale funding | 1.10% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.83% (p57 of band) | 10.50% |
| Unrealized securities loss / equity | -19.72% (p20 of band) | -7.75% |
| AOCI / equity | 0.18% (p86 of band) | |
| ROA (annualized) | 0.86% (p22 of band) | 1.26% |
| Net interest margin | 3.30% (p26 of band) | 3.70% |
| Efficiency ratio | 70.44% (p80 of band) | |
| Noncurrent loans | 0.85% (p68 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p51 of band) | |
| Reserve coverage of noncurrent | 231.91% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 54.09% (p57 of band) | |
| Auto loans | $12.4M (1.80% of loans; DQ 2.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 253 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 | reserve under noncurrent | construction >100% equity |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | noncurrent p90 |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 2 | assets shrinking | wholesale funding >15% |
| 2013-06 | 1 |  | assets shrinking |
| 2013-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 0 |  | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2015-06 | 1 |  | expense ratio p90, charge-offs p90 |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | construction >100% equity |  |
| 2018-06 | 3 | noncurrent p90, reserve under noncurrent | construction >100% equity |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | expense ratio p90 |  |
| 2020-06 | 1 | capital falling | expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 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 | 3 | construction >100% equity |  |
| 2022-12 | 4 | noncurrent p90 |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, construction >100% equity, noncurrent p90 |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-06-08 [Security Federal announces changes in leadership positions - Post and Courier](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNOVdjZ3laUzV2SXVYZlJKVGpmV0JodlZLX1dIa2ZaaUx5d1BuUjY4bnloOTl5ZjVvWG5fRzhOY19KLUpuMjBiY2hqZDc1c1RnV1UzQmdaZERZVFY3OS1IMm5aelZMV0JMUE9haXhVNFN5cXRqQ3dYbmtYNjF0RDB0MHRCa3lnWld5RjF4MmYxSFRNdHdaVXJRSHNUVF9MWnl6al82YnpSeWFKdlhpR1VPb2xwbDVaRnJoNlJuTklPUmRuTmtaRFRfUUNFT0pnVE1Rd2I1TXh3?oc=5) · Post and Courier
- 2026-06-08 [Security Federal Corporation names new CEO and CFO - fintechfutures.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPclpxMEN6bzl0NUY1ZEZXY0hzanh1TjhUak52bUo4SHFpekpCX29lb0RKSTlNR19IN0pMWG8xYnItQ0Q1cTlCLVhUbFlacTVDVS1meVk0bXpFY3VqVHVKZE1yR3B5Q0hIVE9mRDVHbEFzNjQwMkNnUlF4M2Q3eGdHb3VJcXplYnNwQkZCQnFfX0pJQUlJRnJIM1V5T21qNGppdU5UU2xOU2tyQQ?oc=5) · fintechfutures.com
- 2026-05-01 [Security Federal Corporation Announces Increase in First Quarter Earnings - GlobeNewswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOVDVQWkhiVVNjS3dHV3JqSGFsV0x4dS0zZ0htM3JBV1hIR0o4N2lEOE5NRFlBYVBkQm1BeGZnMkhSRnJEaHJaalptN1p5V1BGYXpCc2Ffb1lfc1Y1VUhxaWZIWDg5VEluX2ZOV2RyYUF2UGh2WmdZTGg3clc5TnJUQkJLRC1EN2lnZVNERi1ZaUlTUzdEYXg0aVdydGxIeVFWV2w3bXN4UGRnRGE3RzlDd0xYUGVqODZHRGJkNGFVMjJLYmZPRGFCMFQ3ZHNQbW5tZHp0ekVJYnVDS0syNGc?oc=5) · GlobeNewswire
- 2026-08-19 [Security Federal Announces Cash Dividend - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2026-04-28 [Security Federal announces special dividend - Post and Courier](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPcmVfa1hFckFSa1pwNV9FdFNWR2liMVBsbzlCNFd5Q2FxSEVCSWFKaU1CRGJGUXo1SDFQZjFUeE5TQmFQWGNlOHNoa0lRNnF1UzlPVzNBYkZvT1NTRkdaOTA0S1ZVV1VOYWJMZWRQSjBXRlZncHFfeVZqbWEtSnRBNzl6cDE1THZ5dG9oTnJMZU0xOXdGaENmejRqYXE5bEF3aEZYR2JHX25vc1h3Y082TzE0b2NzV0FzZjZ1YkMwVjNFbGxFSXVnWjZPNGhsTFAxN0JLMmhidUNoZTdhMjVlTw?oc=5) · Post and Courier
- 2025-11-25 [She robbed a West Columbia bank to pay her rent. It didn’t work out - The State](https://news.google.com/rss/articles/CBMicEFVX3lxTE02bnFOYy1SOFl2VVNHZUQ5WGdXOEViWno1Z3A5MEd0SnhKRGdGVldlMG1qdFdndXc3ZGVST0ZsUjhBbGFqOGhES0tvU1VIVWlWMktLYWhYd0NibDNQOEpuOGdQQnpjdHFGZWdmWXlEb1PSAXBBVV95cUxQc19Sb21ISEhaNUFvb0kwVTJHVHhNMjJQaVZ4N25CUGRGMG54Qzd1ZGxXWXVnOE9zQkVIX1pEU3BNeXFxUGpSdXMtQXRJUGhaMGNHUUI5LTdCbGR2dXpUdURMS0RmVWUwYmEySXpEUzdx?oc=5) · The State
- 2023-04-11 [Security Federal Bank finalizes renovations on historic Broad Street building - The Augusta Press](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQVjk5ZGRLX1JCZ0RqVFdxdDBacld0RG9qc0JqZ0FOQmRTVU1UZ2pVYzY2OWtBQkZ5UzBBVGZPdlhaa3JrQk84eWJuTGRjaG9aSWVxYmhzTENkQW8yYkE2Z2pBQ2Q1cndFMVB5RzFZMEFReDNueTdsbzVXSXhWNDRMUFFadVRZb2lVdml4MzQ3VnlnWlpXczdhc1dGcWFlN2d6eUJDRC03T1otQQ?oc=5) · The Augusta Press
- 2023-04-19 [Historic bank building in downtown Augusta restored, newest home of Security Federal Bank - WJBF](https://news.google.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?oc=5) · WJBF

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31100 (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/60.json (key "31100", 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.

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