Security First Bank (FDIC #5415): Bank Stress & Real-Estate Credit Exposure

Security First Bank (FDIC Cert #5415): bank stress 77/100, severe, STABLE over 7 days; parent STOCKMENS FINANCIAL CORP.

Security First Bank (#5415) lends in 20 counties across 2 states; Security First Bank (#5415) reaches 200 ZIP codes: Nebraska 18 counties, 173 ZIPs; South Dakota 2 counties, 27 ZIPs.

Security First Bank (#5415) largest markets: Lancaster County, NE (132 branches, 44 ZIPs) (#5415), Custer County, NE (42 branches, 21 ZIPs) (#5415), Pennington County, SD (40 branches, 20 ZIPs) (#5415), Cherry County, NE (57 branches, 19 ZIPs) (#5415), Gage County, NE (108 branches, 18 ZIPs) (#5415), Holt County, NE (28 branches, 14 ZIPs) (#5415).

Security First Bank (#5415) reports $2.32 billion in total assets; Security First Bank (#5415) equity $217.0 million (9.3% of Security First Bank (#5415) assets); Security First Bank (#5415) domestic deposits $2.03 billion; Security First Bank (#5415) net income $9.0 million; Security First Bank (#5415) return on assets 0.81%; Security First Bank (#5415) return on equity 9.07%; Security First Bank (#5415) net interest income $35.9 million; Security First Bank (#5415) call report June 30, 2026.

Security First Bank (#5415) noncurrent real-estate loans 0.01% of its book; Security First Bank (#5415) residential -0.01%; Security First Bank (#5415) net charge-offs on real estate 0.07%; Security First Bank (#5415) residential charge-offs 0.13%.

Security First Bank (#5415) net interest margin 3.42% against an eight-quarter Security First Bank (#5415) average of 3.13% (Security First Bank (#5415) compression -0.29 points); Security First Bank (#5415) real-estate loans 1.5% of equity; Security First Bank (#5415) non-residential real estate 13.2% of equity; Security First Bank (#5415) rate-exposure score 40/100, Security First Bank (#5415) fixed-rate trap 40/100; Security First Bank (#5415) risk type credit driven; Security First Bank (#5415) rate regime rates elevated, Security First Bank (#5415) snapshot October 19, 2026.

Security First Bank (#5415) stress score moved from 79.5 on June 22, 2026 to 76.6 on October 19, 2026; Security First Bank (#5415) ranged 76.6 to 79.5 over 116 snapshots.

Security First Bank (#5415) alerts: 20 counties; top Security First Bank (#5415) alert scores: Lincoln County, NE 46 (moderate); Alliance County, NE 24 (low); Burwell County, NE 24 (low); Callaway County, NE 24 (low); Cortland County, NE 24 (low).