TellerScore

Security Federal Bank is a state-chartered bank headquartered in Aiken, South Carolina, in business for about 104 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.4B in deposits, with 19 offices across 2 states.

Security Federal Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 53% of its 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 29th. Problem-loan coverage contributes the most (92/100, 4.0%); earnings contributes the least (55/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.83%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.85%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 49.8% · 24.1% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the earnings component improved by 9 points.

TellerScore
616569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202461
Q1 202565
Q2 202566
Q3 202566
Q4 202566
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.92%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.23%
Q3 202410.27%
Q4 20249.88%
Q1 202510.58%
Q2 202510.54%
Q3 202510.14%
Q4 202510.18%
Q1 202610.54%
Q2 202610.83%
Noncurrent loans
0.80%0.94%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.07%
Q3 20240.97%
Q4 20241.09%
Q1 20251.03%
Q2 20250.85%
Q3 20250.81%
Q4 20250.84%
Q1 20260.80%
Q2 20260.85%
Return on assets
0.48%0.67%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.51%
Q4 20240.58%
Q1 20250.68%
Q2 20250.65%
Q3 20250.70%
Q4 20250.72%
Q1 20260.79%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.5B10.83%0.85%0.86%49.8%
Q1 202668$1.6B10.54%0.80%0.79%48.5%
Q4 202566$1.6B10.18%0.84%0.72%49.3%
Q3 202566$1.5B10.14%0.81%0.70%49.4%
Q2 202566$1.6B10.54%0.85%0.65%49.7%
Q1 202565$1.5B10.58%1.03%0.68%51.1%
Q4 202461$1.5B9.88%1.09%0.58%51.7%
Q3 202463$1.5B10.27%0.97%0.51%53.6%
Q2 202461$1.5B10.23%1.07%0.48%52.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.83%
57th
Total risk-based capital21.23%
94th
Problem loans0.85%
32nd
Net charge-offs0.06%
41st
Return on assets0.86%
21st
Net interest margin3.30%
26th
Efficiency ratio70.4%
20th
Loans to deposits49.8%
96th
Uninsured deposits24.1%
73rd
Loan-loss reserves1.98%
96th
Texas ratio4.0%
45th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Travelers RestBank Travelers Rest, SC79 out of 100, Strong$1.6B10.3%0.12%vs
Coastal Carolina National BankBank Myrtle Beach, SC71 out of 100, Strong$1.4B9.4%0.00%vs
First Capital BankBank Charleston, SC68 out of 100, Moderate$1.3B9.6%0.10%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
First Reliance BankBank Florence, SC71 out of 100, Strong$1.1B10.5%0.07%vs
First Palmetto BankBank Camden, SC71 out of 100, Strong$1.1B9.4%0.15%vs

Deposit insurance

Is my money safe at Security Federal Bank?

Yes. Security Federal Bank is an FDIC-insured institution (FDIC certificate #31100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.1% of deposits ($328.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.23% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Security Federal Bank lists 19 offices in 13 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Security Federal Bank reported 346 home-loan applications under HMDA (LEI 5493005ES4J6H2VR7264): 244 originated ($74,230,000 total), 30 denied, and 69 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Security Federal Bank
Former names
Security Federal Savings and Loan Association; Security Federal Savings Bank of South Carolina
Type
State-chartered bank
FDIC certificate #
31100
RSSD ID
763677
Primary regulator
FDIC
Holding company
Security Federal Corp
Established
January 1, 1922
Headquarters
238 Richland Ave W, Aiken, SC 29801
Employees
253

Quick answers

Security Federal Bank: common questions

Is Security Federal Bank FDIC insured?

Yes. Security Federal Bank is an FDIC-insured institution (FDIC certificate #31100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Federal Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Security Federal Bank ever failed?

There is no failure record for FDIC certificate #31100 in the FDIC failed bank list.

How many branches does Security Federal Bank have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Aiken

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
F&M BankBank Washington, GA88 out of 100, Very strong$419.9M14.9%0.38%vs
Srp Federal Credit UnionCredit union North Augusta, SC81 out of 100, Strong$2.1B13.8%0.74%vs
South Georgia BankBank Glennville, GA81 out of 100, Strong$269.5M10.6%0.16%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs
Associated Credit UnionCredit union Norcross, GA77 out of 100, Strong$2.5B13.0%0.30%vs