Is Security Federal Bank Safe?
Security Federal Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (45/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.24% | 100/100 |
| Nonperforming Loan Ratio | 1.07% | 79/100 |
| Liquidity Ratio | 49.98% | 100/100 |
| Return on Assets | 0.62% | 45/100 |
| Total Assets | $1.5B | |
How does Security Federal Bank compare?
With a Bank Health Score of 88/100, Security Federal Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within South Carolina, where 38 FDIC-insured banks are headquartered, Security Federal Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 18.24% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.07% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Security Federal Bank's Bank Health Score fell by 1.0 points to 88/100. Tier 1 capital strengthened by 0.16 percentage points to 18.24%.
Security Federal Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (45/100).