Compared with Nebraska
8 of 20
compared fees are above the median.
4 below, 8 about the same.
About the same: within 1% of the median.
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
54th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Nebraska median
of 20 compared; 4 below, 8 about the same
See the feesFee schedule read Oct 18, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Nebraska median | Published fees above the Nebraska 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
Service charges were 2.3% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (54th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
8 of 20 compared published fees sit above the Nebraska median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Nebraska medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income rose 20% from Q3 2025 to Q2 2026, to $537K. Its share of revenue, 2.3%, is above the 2.2% median for banks with $1B to $10B in assets.
$537K
Security First BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $15; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Security First Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Security First Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Security First Bank by share.
Amounts from Security First Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per month
per month
per item
per item
per day
per day
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| First Checking Monthly maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Within 90 Days | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly statement fee (First Free Checking) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Monthly statement fee (Green Checking) | $10Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| NSF Item Paid Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Item Returned Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Overdraft Fee assessed every 30 calendar days that an account is continuously overdrawn (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM Inquiry Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Counter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 12 x 15 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 16 x 24 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4 x 10 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4 x 11 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4 x 4 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 11 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7 x 10 (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 9 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment/Collection Fees | $30Inside the U.S. middle 50% ($30 to $85 nationally) | 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 | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Imaged Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where Security First Bank operates, and what regulators and customers have on file.
Branch footprint
35 offices in 2 states, $2.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 30 | $1.4B |
| 2 | $373.8M | |
| 3 | $284.4M |
Rapid City, SD
9.6% of bank deposits, #5 of 11, up 4.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First Interstate Bank | 25.3% |
| Wells Fargo Bank, National Association | 15.8% |
| U.S. Bank National Association | 14.4% |
| Pioneer Bank & Trust | 10.5% |
| Black Hills Community Bank, N.A. | 9.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Rapid City, SD, Security First Bank holds 9.6% of bank deposits, #5 of 11, with 2 offices.
The fee comparison uses its home metro, Lincoln, NE.
55 offices of 22 institutions shown.
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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 11 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.