# SECURITY FIRST BANK
LINCOLN, NE · FDIC certificate 5415 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $2.32B | |
| Deposits | $2.03B | |
| Loans and leases | $1.59B | |
| Total equity | $217.0M | |
| Loans / deposits | 77.07% (p27 of band) | 87.10% |
| Liquid assets / assets | 27.52% (p71 of band) | |
| Uninsured deposits / deposits | 20.88% (p20 of band) | 30.76% |
| Brokered deposits | 9.81% | |
| Wholesale funding | 10.24% (p66 of band) | |
| FHLB advances / assets | 0.43% | |
| Tier 1 leverage | 8.30% (p4 of band) | 10.50% |
| Unrealized securities loss / equity | -1.22% (p86 of band) | -7.75% |
| AOCI / equity | -0.38% (p44 of band) | |
| ROA (annualized) | 0.81% (p19 of band) | 1.26% |
| Net interest margin | 3.42% (p33 of band) | 3.70% |
| Efficiency ratio | 67.58% (p74 of band) | |
| Noncurrent loans | 0.17% (p21 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 759.50% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 43.11% (p45 of band) | |
| Auto loans | $9.3M (0.59% of loans; DQ 0.16%, NCO 0.00%) | |
| Loans to nondepository financials | $8.8M (4% of equity) (p82 of band) | |
| Deposits YoY | 17.8% | |
| Employees | 329 | |

## 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 | 2 | wholesale funding >15% |  |
| 2012-06 | 0 |  | capital falling, wholesale funding >15% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 0 |  | uninsured deposits leaving, wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | wholesale funding >15% |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 2 | brokered >10% |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2019-03 | 5 | charge-offs p90 |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 1 |  | wholesale funding >15%, brokered >10%, noncurrent p90, reserve under noncurrent |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2020-09 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | charge-offs p90 |  |
| 2023-03 | 1 | wholesale funding >15% | charge-offs p90 |
| 2023-06 | 2 | brokered >10% |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | brokered >10% |
| 2024-09 | 2 | brokered >10% |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 0 |  | wholesale funding >15%, brokered >10% |

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

- 2026-04-15 [Norfolk bank among 11 branches acquired by Security First Bank - The Norfolk Daily News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSWdiRTZkV1ZSZGZxTm12WGx5M0NrZmJpU3pDb19PUkxwZVNNVGdjbjAyTmNfMDNSbk1wSUh4bWFjdms0ak1YbGF0Y2g5aFVONl9rUV84c2RHWEZVcnd6cENadWZodFgxejA4c2VPbllBdE5veTlaUEdVU3RlLVp4OWgyaFZIRC1FUWJvWF9lLWtqNmU2TU01S2JwdTdLNXdFSUQxVE5KcnQ0YVpkZEV5X3pNeXlqQzNrLWl1cUVlb3RvUExDQ0JjWFBiWXhVSGQwd2N4TkROS0RxQzVob1VF?oc=5) · The Norfolk Daily News
- 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
- 2026-01-09 [Financial adviser who help swindle banks ordered to pay $37 million in restitution - Nebraska Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxONEpqYVZCTFB6emZXUjBDS3p6UWlTaW1JazVyVjVfek9VVFBwNU1leGhFeW5TbGZQWnJ2NV9zLTBfc3FwVllOT250Vm5Jc2Q4QTVBcTFnc2QyQ0h2dXJpX1kzaG9nMFo5Rm8wSGJzT3V6bjgxSmluNF9uUWtneDZqT2VPOEVFMHpqdWR2NlFaVnNRZmtNSnYxVDlJMm5WSW9JaU5XN3VNaTFzRndlLVRiNzYxX1BheTQyU1JuXzAybw?oc=5) · Nebraska Examiner
- 2025-11-15 [Rapid City bank honored for philanthropy - KOTA Territory News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5UNU82RFpWS3F3UGcweFJiZUxHeDZmMmtuRFJ3dDUzZUlUdWhSblJMQUpDdExubldMMGlMVDhTLXdMWXlzVl9DNVdGSkpNeE5MMjhhMzNGNjRoMjBVQno3cndCVEZ5ZWNXakMxMWVQdUFIdXBZQm5mRU54ONIBjwFBVV95cUxOZmVwY1NDaEl1T0VPOHZvbjBsUmxRcS11M0U0MWZXQW1lZWRfOHVQeW81dGZ1U0FqTWVaRjdMakNaYXlTWnd5c19sanVtZlNldUh2bVQxSzV2M0ZrNHlLcnlrYXVUbmt5bE5Pd3N6SWk0c293UUFzM2RmdUh5OFZFZDJEcHNtNElTanJNWG9zTQ?oc=5) · KOTA Territory News
- 2026-06-16 [Security First Bank Supports Panhandle Humane Society Through Community Donation - Rural Radio Network](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPOVo1YnU1ZVp3dWFqbVNQYVdvUVozby1yYnJxSzRyamZkUlJiWHQ4cGRPTmhqQmlpbFlaT2pkcEwxd0hWQ2lFZEhsQmNxZFo2UHJ5YWZpeHVUVFF0LUhnaVVZSmVvM3ozellrU19IOVc4MkY0dGRLTVlla01nX0w1czVJS3NIVXYyLXY2dG5HSlR6YURxMkNBUWhUUkgxeDBJdmZoUUk2UmF0ZXNaTXJrdG5OeWxLa002?oc=5) · Rural Radio Network
- 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
- 2025-12-22 [Security First Bank celebrates centennial with 100 Acts of Community - KX News](https://news.google.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?oc=5) · KX News
- 2024-04-05 [Justin Sprague Obituary Mar 30, 2024 - Govier Brothers Mortuary & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5CWk5DZjlNLXlzRldnUDlsNjVmUmxFalVOQWpaUHVZcGdaUGY4V2lBWnMtQlFPZTE3NmdOTTYzdGtjcXVlT1FXRnhWbGJKTDd2N2dDR3RrYlBMbVBVRG1XMXIxNnpkY2s?oc=5) · Govier Brothers Mortuary & Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5415 (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/39.json (key "5415", 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