Security Federal Bank (FDIC #31100): Bank Stress & Real-Estate Credit Exposure
Security Federal Bank (FDIC Cert #31100): bank stress 74/100, elevated, STABLE over 7 days; parent SECURITY FEDERAL CORP (SFDL).
Security Federal Bank (#31100) lends in 6 counties across 2 states; Security Federal Bank (#31100) reaches 82 ZIP codes: South Carolina 4 counties, 67 ZIPs; Georgia 2 counties, 15 ZIPs.
Security Federal Bank (#31100) largest markets: Richland County, SC (75 branches, 25 ZIPs) (#31100), Aiken County, SC (207 branches, 23 ZIPs) (#31100), Lexington County, SC (36 branches, 18 ZIPs) (#31100), Saluda County, SC (12 branches, 12 ZIPs) (#31100), Richmond County, GA (22 branches, 11 ZIPs) (#31100), Columbia County, GA (14 branches, 7 ZIPs) (#31100).
Security Federal Bank (#31100) reports $1.54 billion in total assets; Security Federal Bank (#31100) equity $151.3 million (9.8% of Security Federal Bank (#31100) assets); Security Federal Bank (#31100) domestic deposits $1.36 billion; Security Federal Bank (#31100) net income $6.7 million; Security Federal Bank (#31100) return on assets 0.86%; Security Federal Bank (#31100) return on equity 9.08%; Security Federal Bank (#31100) net interest income $23.8 million; Security Federal Bank (#31100) call report June 30, 2026.
Security Federal Bank (#31100) noncurrent real-estate loans: none reported; Security Federal Bank (#31100) multifamily -0.05%; Security Federal Bank (#31100) net charge-offs on real estate 0.91%; Security Federal Bank (#31100) multifamily charge-offs 1.01%; Security Federal Bank (#31100) residential charge-offs 1.20%.
Security Federal Bank (#31100) net interest margin 3.30% against an eight-quarter Security Federal Bank (#31100) average of 3.08% (Security Federal Bank (#31100) compression -0.22 points); Security Federal Bank (#31100) non-residential real estate 120.0% of equity; Security Federal Bank (#31100) rate-exposure score 40/100, Security Federal Bank (#31100) fixed-rate trap 40/100; Security Federal Bank (#31100) risk type credit driven; Security Federal Bank (#31100) rate regime rates elevated; Security Federal Bank (#31100) shares 0.0% off the 52-week high, Security Federal Bank (#31100) equity trend strong, Security Federal Bank (#31100) snapshot October 19, 2026.
Security Federal Bank (#31100) stress score moved from 75.3 on June 22, 2026 to 73.9 on October 19, 2026; Security Federal Bank (#31100) ranged 73.9 to 75.3 over 116 snapshots.
Security Federal Bank (#31100) alerts: 6 counties; top Security Federal Bank (#31100) alert scores: Augusta County, SC 24 (low); Evans County, SC 24 (low); Irmo County, SC 24 (low); Ridge Spring County, SC 24 (low); Wagener County, SC 24 (low).