TellerScore

Security Financial Bank is a state-chartered bank (fed member) headquartered in Durand, Wisconsin, in business for about 92 years. At the end of Q2 2026 it reported $1.0B in total assets and $827.5M in deposits, with 8 offices.

Security Financial Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 127th. Earnings contributes the most (85/100, 1.64%); capital cushion contributes the least (47/100, 9.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.67%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.44%
Earnings85/100
Return on assets (annualized): 1.64%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 90.3% · 22.0% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.32%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 61).

TellerScore
576470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202467
Q1 202570
Q2 202561
Q3 202557
Q4 202558
Q1 202660
Q2 202661
Tier 1 leverage ratio
5.00%7.33%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.26%
Q3 20249.16%
Q4 20249.26%
Q1 20259.38%
Q2 20259.48%
Q3 20259.27%
Q4 20259.51%
Q1 20269.48%
Q2 20269.67%
Noncurrent loans
0.16%0.88%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.37%
Q4 20240.19%
Q1 20250.16%
Q2 20251.19%
Q3 20251.61%
Q4 20251.52%
Q1 20261.54%
Q2 20261.44%
Return on assets
0.79%1.21%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.79%
Q4 20240.87%
Q1 20251.20%
Q2 20251.28%
Q3 20251.35%
Q4 20251.41%
Q1 20261.60%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.0B9.67%1.44%1.64%90.3%
Q1 202660$1.0B9.48%1.54%1.60%89.0%
Q4 202558$1.0B9.51%1.52%1.41%86.5%
Q3 202557$988.3M9.27%1.61%1.35%86.6%
Q2 202561$982.1M9.48%1.19%1.28%85.7%
Q1 202570$970.4M9.38%0.16%1.20%84.3%
Q4 202467$953.5M9.26%0.19%0.87%84.4%
Q3 202464$958.5M9.16%0.37%0.79%85.1%
Q2 202465$924.6M9.26%0.37%0.85%88.3%

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 ratio9.67%
28th
Total risk-based capital13.23%
44th
Problem loans1.44%
17th
Net charge-offs0.05%
45th
Return on assets1.64%
76th
Net interest margin3.81%
56th
Efficiency ratio54.5%
64th
Loans to deposits90.3%
40th
Uninsured deposits22.0%
78th
Loan-loss reserves1.44%
82nd
Texas ratio10.3%
16th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Prevail BankBank Medford, WI74 out of 100, Strong$1.0B12.6%0.20%vs
Bank CmgBank Madison, WI65 out of 100, Moderate$1.1B9.6%0.24%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
River BankBank Stoddard, WI73 out of 100, Strong$1.0B12.0%0.16%vs
The Port Washington State BankBank Port Washington, WI67 out of 100, Moderate$1.0B9.0%0.11%vs
Ixonia BankBank Ixonia, WI67 out of 100, Moderate$1.1B10.0%0.25%vs

Deposit insurance

Is my money safe at Security Financial Bank?

Yes. Security Financial Bank is an FDIC-insured institution (FDIC certificate #14222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.0% of deposits ($181.8M) 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 9.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.23% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Security Financial Bank lists 8 offices in 7 cities. Most locations:

  • Black River Falls, WI (2)
  • Alma Center, WI (1)
  • Bloomer, WI (1)
  • Durand, WI (1)
  • Eau Claire, WI (1)
  • Ladysmith, WI (1)
  • River Falls, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Security Financial Bank reported 196 home-loan applications under HMDA (LEI 5493002T397LUNQ31179): 156 originated ($60,510,000 total), 14 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.0%, 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 Financial Bank
Former names
Security National Bank; The Security National Bank of Durand; Security National Bank of Durand
Type
State-chartered bank (Fed member)
FDIC certificate #
14222
RSSD ID
450959
Primary regulator
FED
Holding company
Security Finl Services Corp
Established
April 6, 1934
Headquarters
212 W Prospect St, Durand, WI 54736
Employees
127

Quick answers

Security Financial Bank: common questions

Is Security Financial Bank FDIC insured?

Yes. Security Financial Bank is an FDIC-insured institution (FDIC certificate #14222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Financial Bank's TellerScore?

61 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 Financial Bank ever failed?

There is no failure record for FDIC certificate #14222 in the FDIC failed bank list.

How many branches does Security Financial Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Durand

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs
Royal Credit UnionCredit union Eau Claire, WI73 out of 100, Strong$5.9B10.8%0.43%vs