Fees from its schedule are under review and appear here once review is done.
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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
63rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 19, 2026
Call-report figures are for Security Federal 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 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 Federal Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.7% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (63rd 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 $410K in Q2 2026, 4.9% above the same quarter a year earlier ($391K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Security Federal Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $410K | −$1K | −0.2% |
| Q1 2026 | $411K | −$22K | −5.1% |
| Q4 2025 | $433K | +$13K | +3.1% |
| Q3 2025 | $420K | +$29K | +7.4% |
| Q2 2025 | $391K | +$14K | +3.7% |
| Q1 2025 | $377K | −$33K | −8.0% |
| Q4 2024 | $410K | +$7K | +1.7% |
| Q3 2024 | $403K | +$27K | +7.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Security Federal 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 Federal Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account ServicesUnder review | |||
| Safe Deposit Box 10x10 (fee per year) (audience not stated, treated as personal) | $120 | per year | None |
| Safe Deposit Box 3x10 (fee per year) (audience not stated, treated as personal) | $50 | per year | None |
| Safe Deposit Box 3x5 (fee per year) (audience not stated, treated as personal) | $30 | per year | None |
| Safe Deposit Box 5x10 (fee per year) (audience not stated, treated as personal) | $75 | per year | None |
| Safe Deposit Box 5x5 (fee per year) (audience not stated, treated as personal) | $40 | per year | None |
Other feesUnder review | |||
| Safe Deposit Box 10x10 (fee per year) (audience not stated, treated as personal) | $120 | per year | None |
| Safe Deposit Box 3x10 (fee per year) (audience not stated, treated as personal) | $50 | per year | None |
| Safe Deposit Box 3x5 (fee per year) (audience not stated, treated as personal) | $30 | per year | None |
| Safe Deposit Box 5x10 (fee per year) (audience not stated, treated as personal) | $75 | per year | None |
| Safe Deposit Box 5x5 (fee per year) (audience not stated, treated as personal) | $40 | per year | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
| Fee | Amount | Basis | Note |
|---|---|---|---|
Wire TransfersUnder review | |||
| TM Wire Transfer- outgoing | $10 | Not stated | None |
| Wire transfer- outgoing | $20 | Not stated | None |
| TM Wire Transfer- incoming | $8 | Not stated | None |
| Wire transfer- incoming | $16 | Not stated | None |
| Wire transfer- foreign outgoing | $50 | Not stated | None |
| Wire transfer- foreign incoming | $20 | Not stated | None |
Digital & ElectronicUnder review | |||
| Special Origination ACH (per batch after cutoff) | $25 | Not stated | None |
Other feesUnder review | |||
| Set-up fee per location | $75 | Not stated | None |
Oct 19, 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 Federal Bank operates, and what regulators and customers have on file.
Branch footprint
19 offices in 2 states, $1.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 13 | $1.1B | |
| 6 | $220.6M |
Augusta-Richmond County, GA-SC
8.8% of bank deposits, #5 of 25, up 1.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 24.6% |
| SouthState Bank, National Association | 11% |
| Queensborough National Bank & Trust Company | 10.3% |
| Bank of America, National Association | 9.5% |
| Regions Bank | 7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Augusta-Richmond County, GA-SC, Security Federal Bank holds 8.8% of bank deposits, #5 of 25, with 13 offices.
143 offices of 34 institutions shown.
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 25 institutions shown. $12.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 8.8% share, 13 offices, #5 of 25
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
33 offices of 9 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 1, 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.
Holding company
SECURITY FEDERAL CORP (OTC: SFDL)
Consolidated assets
$1.6B
Shareholders' equity
$200.5M
As of
2025Q4
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 818677. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows