Side-by-side · Q2 2026 data
Security Federal Bank vs First Community Bank
Metric by metric
| Measure | Security Federal Bank | First Community Bank |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 58 (stronger) | 43 |
| Loan quality | 72 | 98 (stronger) |
| Earnings | 55 | 70 (stronger) |
| Funding & liquidity | 90 (stronger) | 63 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 53rd | 63rd |
| Total assets | $1.5B | $2.4B |
| Deposits / shares | $1.4B | $2.0B |
| Capital ratio | 10.83% (stronger) | 9.29% |
| Problem loans | 0.85% | 0.05% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 0.86% | 1.25% (stronger) |
| Loans ÷ deposits | 49.8% (stronger) | 77.4% |
| Uninsured deposits | 24.1% (stronger) | 32.7% |
| Offices | 19 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 4.8% |
First Community Bank has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Security Federal Bank leads on 3 and First Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.