BlastPoint's Banking Scorecard
Security Federal Bank
Community
Specialty: Commercial
SC
FDIC cert 31100
Aiken, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Security Federal Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.06% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 20% in Community
- - Loan-to-Deposit Ratio 33.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+0.4% YoY
+0.4% QoQ
|
+$160.5M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$676.2M
-1.6% YoY
-0.3% QoQ
|
-$299.3M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$1.4B
+3.3% YoY
-0.1% QoQ
|
+$208.1M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.72%
+24.4% YoY
+2.2% QoQ
|
-0.45% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.15%
+7.7% YoY
+2.2% QoQ
|
-0.51% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
74.75%
-0.7% YoY
-0.0% QoQ
|
+12.12% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.86%
-22.9% YoY
+3.3% QoQ
|
+0.23% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
49.26%
-4.8% YoY
-0.2% QoQ
|
-33.80% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.23%
-4.5% YoY
-3.4% QoQ
|
-1.82% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.42%
-24.0% YoY
+2.3% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
19.30%
+3.2% YoY
+3.4% QoQ
|
+9.06% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.60%
-2.4% YoY
+34.7% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.30%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Flatlined Growth
risk
#51 of 245 · Bottom 20% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.72%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
49.26%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 19.30% · Tier avg: 10.24%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
48
48th pctile
Total Loans
Current: $676.2M · Tier avg: $975.5M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.23% · Tier avg: 21.05%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.63%
23
23th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.75% · Tier avg: 62.63%
3
3th pctile
Loan-to-Deposit Ratio
Current: 49.26% · Tier avg: 83.06%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 49.26% · Tier avg: 83.06%
18
18th pctile
Efficiency Ratio
Current: 74.75% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
23
23th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
30
30th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.23% · Tier avg: 21.05%
48
48th pctile
Total Loans
Current: $676.2M · Tier avg: $975.5M
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
92
92th pctile
Tier 1 Capital Ratio
Current: 19.30% · Tier avg: 10.24%