Security First Bank (CA)

3720 N. Blackstone Avenue
Fresno, CA 93726
559-225-1700
www.securityfirstfresno.com

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Security First Bank (CA) is headquartered in Fresno and is the 218^st largest bank in the state of California. It is also the 4,943^rd largest bank in the nation. It was established in 2007 and as of December of 2012, it had grown to 14 employees at 1 location. Security First Bank (CA) has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Security First Bank (CA) Checking Account Rates

Apy	Min	Max	Product
0.15%	$100	-	Senior Checking Account
0.15%	$1k	-	High Yield Interest Checking
0.15%	$1k	-	Business High Yield Interest Checking
0.15%	$1k	-	Non-Profit Checking

Security First Bank (CA) Savings Account Rates

Apy	Min	Max	Product
0.35%	$100k	-	Attorney Client Trust Account (IOLTA)
0.25%	$100	-	Personal Savings

Security First Bank (CA) Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Personal Money Market
0.35%	$100k	-	Business Money Market

Security First Bank (CA) CD Rates

Apy	Min	Max	Product
0.80%	$2,500	-	5 Year CD
0.70%	$2,500	-	4 Year CD
0.60%	$2,500	-	3 Year CD
0.55%	$2,500	-	2 Year CD
0.50%	$2,500	-	18 Month CD
0.45%	$2,500	-	1 Year CD
0.40%	$2,500	-	9 Month CD
0.30%	$2,500	-	6 Month CD
0.25%	$2,500	-	3 Month CD
0.20%	$2,500	-	1 Month CD

Security First Bank (CA) IRA Rates

Apy	Min	Max	Product
0.80%	$2,500	-	5 Year IRA
0.80%	$2,500	-	5 Year Keogh
0.70%	$2,500	-	4 Year IRA
0.70%	$2,500	-	4 Year Keogh
0.60%	$2,500	-	3 Year IRA
0.60%	$2,500	-	3 Year Keogh
0.55%	$2,500	-	2 Year IRA
0.55%	$2,500	-	2 Year Keogh
0.50%	$2,500	-	18 Month IRA
0.50%	$2,500	-	18 Month Keogh
0.45%	$2,500	-	1 Year IRA
0.45%	$2,500	-	1 Year Keogh
0.40%	$2,500	-	9 Month IRA
0.40%	$2,500	-	9 Month Keogh
0.30%	$2,500	-	6 Month IRA
0.30%	$2,500	-	6 Month Keogh
0.25%	$2,500	-	3 Month IRA
0.25%	$2,500	-	3 Month Keogh
0.20%	$2,500	-	1 Month IRA
0.20%	$2,500	-	1 Month Keogh

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

Security First Bank
FDIC Certificate #	58212
BankRate Report	View
Year Established	2007
Employees	14
Primary Regulator	FDIC
Assets and Liabilities
Assets	$97.02 million
Loans	$52.29 million
Deposits	$78.08 million
Equity Capital	$12.35 million
Loan Loss Allowance	$2.02 million
Unbacked Noncurrent Loans	$5.09 million
Real Estate Owned	$2.96 million
Historic Data - December 2011
Assets	$98.89 million
Equity Capital	$11.72 million
Loan Loss Allowance	$2.31 million
Unbacked Noncurrent Loans	$1.42 million
Real Estate Owned	$3.82 million
Profit Margin - Quarterly
Net Interest Margin	3.99%
Return on Assets	0.79%
Return on Equity	6.42%
Interest Income	$4.40 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Security First Bank (CA) had $8.05 million in non-current loans and owned real-estate with $14.38 million in equity and loan loss allowances on hand to cover it. This gives Security First Bank (CA) a Texas Ratio of 56.03% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Security First Bank (CA) increased slightly from 37.39% as of December 31, 2011 to 56.03% as of December 31, 2012, resulting in a negative change of 49.87%. This indicates that the balance sheet and financial strength for Security First Bank (CA) has declined slightly in recent periods.
Deposit Growth
In the past year, Security First Bank (CA) has decreased its total deposits by -$3.89 million, resulting in -4.75% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Security First Bank (CA) has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Security First Bank (CA) has $97.02 million in assets with $14.38 million in equity, resulting in a capitalization level of 14.82%, which is excellent.

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