Bank · FDIC insured
Security Federal Bank
A $1.5B bank headquartered in Aiken, SC, with 19 branches in 2 states.
Security Federal Bank Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#11 of 16 in Augusta, GA-SC metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Security Federal Bank
Founded in 1922 in Aiken, South Carolina, Security Federal Bank is owned by its holding company, Security Federal Corporation.
Originally chartered as Aiken Building and Loan Association, it was renamed Security Federal Bank in 1996 and converted to a South Carolina commercial bank in 2010.
The certified Community Development Financial Institution operates branches across Aiken, Lexington, and Richland counties in South Carolina, and Columbia and Richmond counties in Georgia.
- Headquarters
- 238 Richland Ave W, Aiken, SC 29801
- FDIC certificate
- 31100 ↗
Branches
19 branches in 2 states
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South Carolina
15 branches
Augusta area · 9
- Security Federal BankMain office238 Richland Ave W, Aiken, SC 29801Directions
- 1665 Richland Avenue Branch1665 Richland Ave, Aiken, SC 29801Directions
- 1705 Whiskey Rd Branch1705 Whiskey Rd, Aiken, SC 29803Directions
- Southside Branch2587 Whiskey Rd, Aiken, SC 29803Directions
- Clearwater Branch4568 Jefferson Davis Hwy, Clearwater, SC 29842Directions
- Graniteville Branch50 Canal St, Graniteville, SC 29829Directions
- Langley Branch2812 Augusta Street, Langley, SC 29834Directions
- 313 Martintowne Rd Branch313 E Martintown Rd, North Augusta, SC 29841Directions
- Wagener Branch118 Main St N, Wagener, SC 29164Directions
Columbia area · 6
- Assembly Street Branch1900 Assembly St, Columbia, SC 29201Directions
- Spring Valley Branch9370 Two Notch Rd, Columbia, SC 29223Directions
- Ballentine Office1790 Dutch Fork Rd, Irmo, SC 29063Directions
- Lexington Branch5446 Sunset Blvd, Lexington, SC 29072Directions
- Ridge Spring636 E Main St, Ridge Spring, SC 29129Directions
- West Columbia Branch1185 Sunset Blvd, West Columbia, SC 29169Directions
Georgia
4 branches
- Broad Street Branch1109 Broad St, Augusta, GA 30901Directions
- Walton Way1607 Walton Way, Augusta, GA 30904Directions
- Evans Branch7004 Evans Town Center Blvd, Evans, GA 30809Directions
- Riverwood Branch5133 Washington Rd, Evans, GA 30809Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.83% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.85% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.86% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $51 | $88 | — |
- CapitalLeverage ratio10.83%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.85%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.86%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$51Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Security Federal Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.