Side-by-side · Q2 2026 data
Security Federal Bank vs First Capital Bank
Metric by metric
| Measure | Security Federal Bank | First Capital Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 68 |
| Capital cushion | 58 (stronger) | 46 |
| Loan quality | 72 | 97 (stronger) |
| Earnings | 55 | 65 (stronger) |
| Funding & liquidity | 90 (stronger) | 49 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 53rd | 49th |
| Total assets | $1.5B | $1.3B |
| Deposits / shares | $1.4B | $1.1B |
| Capital ratio | 10.83% (stronger) | 9.58% |
| Problem loans | 0.85% | 0.10% (stronger) |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | 0.86% | 1.14% (stronger) |
| Loans ÷ deposits | 49.8% (stronger) | 97.3% |
| Uninsured deposits | 24.1% (stronger) | 27.1% |
| Offices | 19 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 5.1% |
Security Federal Bank has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Security Federal Bank leads on 4 and First Capital Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.