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Security Federal Bank
Aiken, SC · FDIC Certificate #31100 · Chartered 01/0
Total assets
$1.54B
Total deposits
$1.36B
Total equity
$151.31M
Net loans
$677.71M
Branches (offices)
19
Net income (YTD)
$6.70M
Rank: #732 of 4,213 U.S. banks by assets · #9 of 43 in South Carolina. Assets changed -1.2% and deposits -1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.86% |
| Return on equity | 9.08% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 9.83% |
| Tier 1 leverage ratio | 10.83% |
| Uninsured deposits (share of deposits) | 24.1% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 49.8% |
| Real estate loans (share of loans) | 92.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $625.82M | 92.3% | |
| Commercial & industrial | $42.56M | 6.3% | |
| Consumer / individual | $23.01M | 3.4% | |
| Construction & development | $81.84M | 12.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.34B | $1.18B | $4.32M | $107.92M |
| Jun 2023 | $1.41B | $1.21B | $4.17M | $105.49M |
| Jun 2024 | $1.48B | $1.26B | $3.56M | $121.14M |
| Jun 2025 | $1.56B | $1.39B | $5.00M | $140.07M |
| Jun 2026 | $1.54B | $1.36B | $6.70M | $151.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $1.19B | 15 |
| Georgia | $167.83M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.36B.
Similar-sized banks
The Moody National Bank ($1.54B) · The Park Bank ($1.54B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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