Security Federal Bank Safety Rating
Security Federal Bank's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #857 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Security Federal Bank's best component is Tier 1 capital (100/100) and its weakest is profitability (45/100).
This page answers a common banking-safety question: Security Federal Bank Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Security Federal Bank Safety Rating Breakdown
- Overall rating
- Grade A (88/100)
- National rank
- #857 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 79/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 45/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Security Federal Bank among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 22% of the 3,960 banks we score.
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%.
Frequently Asked Questions
Security Federal Bank's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #857 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Security Federal Bank's best component is Tier 1 capital (100/100) and its weakest is profitability (45/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Security Federal Bank: Tier 1 capital scores 100/100, loan quality 79/100, liquidity 100/100, and profitability 45/100 — combining to 88/100 (grade A).
Security Federal Bank's Bank Health Score of 88/100 is 14.0 points above the South Carolina state average of 74/100. 38 FDIC-insured banks are headquartered in South Carolina.
Yes. Security Federal Bank (FDIC certificate #31100) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Security Federal Bank
Security Federal Bank's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #857 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Security Federal Bank's best component is Tier 1 capital (100/100) and its weakest is profitability (45/100).