Security First Bank

Headquarters: Lincoln, Nebraska
Charter: Bank
Assets: $2.3B
Fed district: Kansas City

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 18, 2026

How these figures are measured

Call-report figures are for Security First Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Security First Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Security First Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $537K in Q2 2026, 31% above the same quarter a year earlier ($411K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
Security First Bank: $5 to $15
Security First Bank: $5 to $15
U.S. median: no median
Overdraft (OD)
Security First Bank: $30
Security First Bank: $30
U.S. median: no median
NSF / Returned Item
Security First Bank: $30
Security First Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 20% from Q3 2025 to Q2 2026, to $537K.

Service-charge income, Q2 2026

$537K

$448KQ3 2025

$436KQ4 2025

$419KQ1 2026

$537KQ2 2026

Against the median

Security First BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Security First Bank · $2.3B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$2.2B to $2.4B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Security First Bank(this institution)	Lincoln, NE	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Bank & Trust	Sioux Falls, SD	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Anderson Brothers Bank	Mullins, SC	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Iowa	West Des Moines, IA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cashmere Valley Bank	Cashmere, WA	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Colorado Federal Savings Bank	Greenwood Village, CO	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Commercial Bank	Harrogate, TN	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crews Bank & Trust	Wauchula, FL	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Trust Company of Chambersburg	Chambersburg, PA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of the Lake	Osage Beach, MO	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Guaranty Bank	Springfield, MO	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intercredit Bank, National Association	Coral Gables, FL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
John Marshall Bank	Reston, VA	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Luana Savings Bank	Luana, IA	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Omb Bank	Springfield, MO	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Parke Bank	Sewell, NJ	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pioneer Bank, National Association	Albany, NY	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
QNB Bank	Quakertown, PA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Queensborough National Bank & Trust Company	Louisville, GA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Regent Bank	Tulsa, OK	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
South Central Bank, Inc.	Glasgow, KY	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas First Bank	Texas City, TX	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Commerce	Ammon, ID	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Princeton	Princeton, NJ	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Ephrata National Bank	Ephrata, PA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Fort Smith	Fort Smith, AR	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $10, the middle of its four prices, against a peer median of $10 among 17 publishing peers.

Its four checking prices are $5, $10, $10 and $15.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Security First Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Security First Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $537K
vs prior quarter: +$118K+28.2%; from Q1 2026
vs a year earlier: +$126K+30.7%; from Q2 2025
vs start of range: +$122K+29.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Security First Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$537K	+$118K	+28.2%
Q1 2026	$419K	−$17K	−3.9%
Q4 2025	$436K	−$12K	−2.7%
Q3 2025	$448K	+$37K	+9.0%
Q2 2025	$411K	+$21K	+5.4%
Q1 2025	$390K	−$3K	−0.8%
Q4 2024	$393K	−$22K	−5.3%
Q3 2024	$415K	+$27K	+7.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Security First Bank’s own schedules, with a source for each figure.

Account Maintenance

First Checking Monthly maintenance fee$10
per month
Monthly maintenance fee$5
per month
Monthly maintenance fee (audience not stated, treated as personal)$10
per month
Monthly maintenance fee$15
per month
Account Closing Within 90 Days$10
Dormant account fee$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly statement fee (First Free Checking)$3
per month
Monthly statement fee (Green Checking)$10
per month

Overdraft & NSF

NSF Item Paid Fee$30
per item
NSF Item Returned Fee$30
per item
Continuous Overdraft Fee assessed every 30 calendar days that an account is continuously overdrawn (audience not stated, treated as personal)$35
per day

ATM & Card

ATM Inquiry Fee$2
ATM/Debit Card Replacement Fee$5

Wire Transfers

Outgoing Wire Transfer$20
Incoming Wire Transfer$10
Foreign Wire Transfer$50

Check Services

Official Check$7
Money Order$4
Counter Checks$2
per item
Collection Items$15

Account Services

Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$70
Safe Deposit Box 12 x 15 (audience not stated, treated as personal)$75
Safe Deposit Box 16 x 24 (audience not stated, treated as personal)$100
Safe Deposit Box 2 x 10 (audience not stated, treated as personal)$30
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 3 x 10$35
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$20
Safe Deposit Box 4 x 10 (audience not stated, treated as personal)$40
Safe Deposit Box 4 x 11 (audience not stated, treated as personal)$40
Safe Deposit Box 4 x 4 (audience not stated, treated as personal)$25
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$50
Safe Deposit Box 5 x 11 (audience not stated, treated as personal)$50
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)$55
Safe Deposit Box 9 x 10$60
Garnishment/Collection Fees$30
Maximum of three fees per day: Garnishments, Executions or Levies$35
Not compared: Daily charge, not per item
per day

Gift & Prepaid Cards

Gift Card$4

Other Fees

Duplicate Imaged Statement$5

Fee	Amount	Basis	Note
Account Maintenance
First Checking Monthly maintenance fee	$10	per month	None
Monthly maintenance fee	$5	per month	None
Monthly maintenance fee (audience not stated, treated as personal)	$10	per month	None
Monthly maintenance fee	$15	per month	None
Account Closing Within 90 Days	$10	Not stated	None
Dormant account fee	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly statement fee (First Free Checking)	$3	per month	None
Monthly statement fee (Green Checking)	$10	per month	None
Overdraft & NSF
NSF Item Paid Fee	$30	per item	None
NSF Item Returned Fee	$30	per item	None
Continuous Overdraft Fee assessed every 30 calendar days that an account is continuously overdrawn (audience not stated, treated as personal)	$35	per day	None
ATM & Card
ATM Inquiry Fee	$2	Not stated	None
ATM/Debit Card Replacement Fee	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Foreign Wire Transfer	$50	Not stated	None
Check Services
Official Check	$7	Not stated	None
Money Order	$4	Not stated	None
Counter Checks	$2	per item	None
Collection Items	$15	Not stated	None
Account Services
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 12 x 15 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 16 x 24 (audience not stated, treated as personal)	$100	Not stated	None
Safe Deposit Box 2 x 10 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 3 x 10	$35	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box 4 x 10 (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Box 4 x 11 (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Box 4 x 4 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 5 x 11 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)	$55	Not stated	None
Safe Deposit Box 9 x 10	$60	Not stated	None
Garnishment/Collection Fees	$30	Not stated	None
Maximum of three fees per day: Garnishments, Executions or Levies	$35Not compared: Daily charge, not per item	per day	None
Gift & Prepaid Cards
Gift Card	$4	Not stated	None
Other Fees
Duplicate Imaged Statement	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Security First Bank operates, and what regulators and customers have on file.

Market position

In Rapid City, SD, Security First Bank holds 9.6% of bank deposits, #5 of 11, with 2 offices.

Compare fees with the 29 Lincoln, NE banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Lincoln, NE.

Offices in the metro

55 offices of 22 institutions shown.

Security First BankOther banksCredit unions

Showing 55 of 56 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Rapid City, SD metro (FDIC metro code 39660), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 2 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First Interstate Bank25.3%
2Wells Fargo Bank, National Association15.8%
3U.S. Bank National Association14.4%
4Pioneer Bank & Trust10.5%
5Security First Bank9.6%
6Black Hills Community Bank, N.A.9.3%
7Dacotah Bank5.9%
8First National Bank3.5%

8 of 11 institutions shown. $3.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Rapid City, SD metro (FDIC metro code 39660)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 9.6% share, 2 offices, #5 of 11

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Rapid City, SD metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

27 offices of 11 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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