Total Assets
$1.6B
Total balance-sheet footings
FDIC Cert #31100 · Aiken, South Carolina · Est. 1922
Security Federal Bank - FDIC Bank Health Profile
A community-scale look at Security Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.6B
- Total assets
- B
- Health grade · Good
- 0.72%
- Return on assets
- 19.3%
- Tier 1 capital
Data updated July 2026
The verdict
Security Federal Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 19.30% Tier 1, 0.72% ROA, 75% efficiency ratio.
- #727
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 19.30%
- Tier 1 ratio - above the 10% well-capitalized line
- 25th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Security Federal Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Security Federal Bank's composite health score
Tier 1 Capital Ratio (19.30%) 40/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (3.67%) 20/20
Efficiency Ratio (74.75%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$676M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Security Federal Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security Federal Bank's score of 78/100 falls in the highlighted band.
Security Federal Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Security Federal Bank's $1.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.30%
Texas Ratio
3.67%
Equity Capital
$144M
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.72%
Return on Equity (ROE)
8.04%
Efficiency Ratio
74.75%
What the numbers say about Security Federal Bank
Security Federal Bank is an FDIC-insured institution (Certificate #31100) headquartered in Aiken, South Carolina, established in 1922. It holds $1.6B in total assets - 727th of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $676M in net loans. On safety, its Tier 1 capital ratio of 19.30% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.67% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Carolina, Security Federal Bank ranks 9th of 43 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$76M
Interest Income
$9M
Non-Interest Income
$41M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Security Federal Bank reports a Texas Ratio of 3.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security Federal Bank (FDIC Cert #31100) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |
Frequently asked questions
What is Security Federal Bank's health grade?▼
Security Federal Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Security Federal Bank?▼
Security Federal Bank holds $1.6B in total assets and $1.4B in deposits, ranking 727th of 4,313 FDIC-insured banks by asset size. It is headquartered in Aiken, South Carolina.
Is my money safe at Security Federal Bank?▼
Yes, deposits at Security Federal Bank (Certificate #31100) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Security Federal Bank's Tier 1 Capital Ratio?▼
Security Federal Bank has a Tier 1 Capital Ratio of 19.30%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Security Federal Bank?▼
Security Federal Bank has a Texas Ratio of 3.67%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Security Federal Bank?▼
Security Federal Bank has an Efficiency Ratio of 74.75%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Security Federal Bank's profile as a depositor or analyst.
- Security Federal Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Security Federal Bank against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.