# SECURITY FIRST BANK
CHEYENNE, WY · FDIC certificate 31966 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**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 | $69.3M | |
| Deposits | $62.2M | |
| Loans and leases | $39.8M | |
| Total equity | $7.1M | |
| Loans / deposits | 62.05% (p27 of band) | 76.50% |
| Liquid assets / assets | 39.51% (p68 of band) | |
| Uninsured deposits / deposits | 14.01% (p42 of band) | 15.89% |
| Brokered deposits | 1.05% | |
| Wholesale funding | 1.05% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.38% (p34 of band) | 11.35% |
| Unrealized securities loss / equity | 0.10% (p78 of band) | -0.33% |
| AOCI / equity | 1.12% (p51 of band) | |
| ROA (annualized) | 1.33% (p71 of band) | 0.99% |
| Net interest margin | 3.97% (p62 of band) | 3.80% |
| Efficiency ratio | 68.92% (p46 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 82% | |
| Construction % of loans | 51.20% (p80 of band) | |
| Auto loans | $403,000 (1.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | deposits shrinking |  |
| 2018-06 | 0 |  | deposits shrinking |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 2025-10-16 [Security First Bank to Expand in Nebraska Through Acquisition of 11 Banking Offices From First Interstate Bank - Business Wire](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPYUtGdHVFOTdNQm5qc3lMUjc5Vl81SjZhMVo3ZllhQWJ2VWoyQnUzYzVrUFZjQTRJdlU3TzRNdW9QbUhMelNkaVVJanNEeVBRNzVwN19XSEd1UHUyNDZmaEJCeDhQeUdDV1J2YU9NRURKRVZkTEpwdm5yOVZBOWdIT0hCQWVZQ1N1RHpVbDd0NW80OGp5WElRbHFzUmhnUWp0OVhIemY0OF8wbjhJa1VyRzZ5QkRoalhVUUpLSlRac2N4SUw0TGJPVjdmVGl0ajdQeGVINmR1aG9tZDVLN19jNVI4Qlp0OVJSTHY1TUs3Q1VHRE9fc3NKSVAwYw?oc=5) · Business Wire
- 2025-11-14 [Rotary Holiday Basketball Tournament Expands to 16 Teams; Security First Bank Named Title Sponsor - chadronradio.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOVUlxSU1Qa0E3dW1LVDYtNUV6SVdramtZOFFMOUhEUENSc01md0FCVDNtbEZubGtWX3Jfc1dReS1QRkhPRlNDTTBHNmM0MG1mcTlNY3VKRU1kSDMyd21nVFFXOUw3cVoxNWNOanM4Q21iVEZ1bDc3R2Jabm5IS3Z5T2o2NnA0N1RYam5BYTFxd2NzZW4wMUVwWWtoQlpFa0JHVzhGdk42M3pZSmcxV2x4QUtyMTE0Y1dNWWtuYkZTVQ?oc=5) · chadronradio.com
- 2026-02-05 [Why one regional bank is shrinking after years of rapid growth - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxNakxrTGlVMThFT0VsWUJ5QU82dXEtdFJaaFJvTjlTY2NfLXZoSHgwdERScHV2aHQzeng0bDlfZ3d1SzhXTlN4Uy1QY0tyZDRFTWRmVnlDY0FobmZUMXdvM1NCUURkbzJMY1JfQkJLLVA1SFJxanVPWlktSmtKNmgyYjllOHJONnJmNUpEdGVFRVRJdV9ULTduZjNIc0FQd0k?oc=5) · American Banker
- 2024-02-12 [Financial adviser who allegedly helped facilitate huge bank fraud still not charged - Nebraska Examiner](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbDZodVB6Nmk5N25zLTVJeEtlYmlBOXdBblFHa0lqVTU4YzF0LTRsWjd0dEtuYlpwWUdqbW1yRVVaeVQxVkQzUnhXZ25uMjFOMnZqS3VOaUhkYmF5UmNIWGhEWmE1RnBzRFdVbmxuMFkzNW9sQ1RUeEo2NWV3bC1ZUU1OcXhicC1rUjVyd3dIenJvbUltVFlnaXZPNXM5cnhLWnRjZFIxQ2E2LWMzbEQ4NzhXVGtDSHpFR2M1ZHVQRDg2QQ?oc=5) · Nebraska Examiner
- 2026-01-03 [Holiday Hoops: Sparse Schedule Highlights Week 3 of Wyoming Girls’ Basketball - WyoPreps](https://news.google.com/rss/articles/CBMidkFVX3lxTE96cEZ5NlFUVTRCem01alFuNGstY0VpeVdTODRJa2FMOGptR19kRTlXRmJGci1vUlk0aml1NEFwNUpqZmFfYXVxY1dyWFZRa09GN2lrSlIzUENqd1FIODNOWUNac19yTGhkQlhyMHpManFLMnRCQ3c?oc=5) · WyoPreps
- 2024-02-06 [QC Kinetix lawsuit alleges company makes false, misleading statements about treatments - Top Class Actions](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNbHlMeEF4anp3bkY2VEVvcGp1R0FMOWd3SlJaU2ZjczBEVnVUQmVxVWo0T1hyLS0wdHhfcHk5N1RleTg5U1VaS1JTZDRhQ0JJMGcwU3BUaWlIQnI4b05jSlR3Tk03UUhJXzZlQ292aVpZTExRTm85WS1welE0NVNibzlrSDIxTmF0eWhKZ1R3NFhOVXBQUUtoMUg1SDh6cGdFeGZnbDNuSlprUklaMDdvSUhYZVIxS05DY19DM1pTV2FoZkRUU2s5RDJtZHppOVRrSFdYcG5wRFA4RDlXa2w4R0k5aTRzWDA3WER0R0pR?oc=5) · Top Class Actions
- 2022-12-27 [Claims against estate of deceased Lincoln businessman now extend to Louisiana - Nebraska Examiner](https://news.google.com/rss/articles/CBMiugFBVV95cUxNT3g3d19hdFIzOUl3M3pOaHN1UTZNMmg5ZFBUNXZnVW84dzhTbVJXRTloS3NJSDdSMU02dUl6QzJnbzZuS3psV3NQQ2xUT0UzaXhHQjdQY3FiVXVlYTNrWXBtb2E3QmJCM19leVkwU3BnWEtYaXlIbmVFYVZlRk5ZdlhQSXJ0azBPTi1ibl8wT1BmVjNyOGo1LVdCbFlkUTJqWjhLTnFEZ0pzTFFKREZSeXdJLVRWUzFBMmc?oc=5) · Nebraska Examiner
- 2017-11-30 [George Howard - Tri-State Livestock News](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5OVERsbXhHeWx3VlFJYUpwVVVDMXhGcEI4ZUpsaldrTDNLZGhsXzY3MUFlT183YnROa1RiLVg1bzVIWmxYT1g1YWhqVVZUTHF4cXowdkJpQkRibmM?oc=5) · Tri-State Livestock News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31966 (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/30.json (key "31966", 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