Security First Bank: how it compares with its peers
Against 11 NE banks with half to twice its assets, Security First Bank's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $7.7M peer median). Its weakest relative measure is return on assets (0.81% vs. 1.25%).
| Measure | Security First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.25% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.42% | 3.64% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.58% | 60.34% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.7M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.07% | 88.04% | Context |
What it means for lending operations
Its efficiency ratio of 67.58% is above the 60.34% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Five Points Bank Grand Island, NE · $2.24B
- Cornerstone Bank York, NE · $2.73B
- Security National Bank of Omaha Omaha, NE · $1.86B
- Exchange Bank Kearney, NE · $1.58B
- Elkhorn Valley Bank & Trust Norfolk, NE · $1.49B
- West Gate Bank Lincoln, NE · $1.47B
Questions about Security First Bank
How big is Security First Bank?
Security First Bank, established in 1924, is headquartered in Lincoln, NE. It reported $2.32B in total assets in its Q2 2026 FDIC call report and operates 37 offices.
What is Security First Bank's return on assets?
0.81% annualized in Q2 2026, against a 1.25% median for 11 NE banks with half to twice its assets, ahead of 0% of them.
What is Security First Bank's efficiency ratio?
67.58% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 60.34%, and lower is better.
Is Security First Bank growing its loans?
Net loans grew 16.0% over the year to Q2 2026, while deposits grew 17.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.