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Overview / Commentary
559-225-1700
663 W Nees Avenue
Fresno, CA 93711

Security First Bank (CA) is headquartered in Fresno and is the 195th largest bank in the state of California. It is also the 4,668th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 17 employees at 1 location. Security First Bank (CA)'s money market rates are 36% higher than the national average, and it has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Security First Bank (CA) had $3.29 million in non-current loans and owned real-estate with $12.6 million in equity and loan loss allowances on hand to cover it. This gives Security First Bank (CA) a Texas Ratio of 26.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Security First Bank (CA) decreased dramatically from 53.18% as of March 31, 2013 to 26.15% as of March 31, 2014, resulting in a positive change of 50.82%.This indicates that the balance sheet and financial strength for Security First Bank (CA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Security First Bank (CA) has increased its total deposits by $11.08 million, resulting in 14.75% 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 excellent.

Capitalization

GRADE:
A+

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 $102.77 million in assets with $12.6 million in equity, resulting in a capitalization level of 12.26%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58212
Year Established2007
Employees17
Primary RegulatorFDIC
Assets and Liabilities
Assets$102.77 million
Loans$53.99 million
Deposits$86.21 million
Equity Capital$11.38 million
Loan Loss Allowance$1.21 million
Real Estate Owned$3.29 million
Historic Data - March 2013
Assets$94.08 million
Equity Capital$12.38 million
Loan Loss Allowance$2.00 million
Unbacked Noncurrent Loans$0
Real Estate Owned$2.96 million
Profit Margin - Quarterly
Return on Assets0.27%
Return on Equity2.48%
Interest Income$1.01 million
Rates

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Security First Bank (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.60%$250k-Attorney Client Trust Account (IOLTA)
0.15%$100-Regular Savings

Security First Bank (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.60%$250k-Personal Money Market
0.60%$250k-Business Money Market

Security First Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Senior Checking
0.10%$100-Interest Checking
0.10%$100-Business Interest Checking

Security First Bank (CA) CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
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
Locations


Security First Bank (CA) Locations
Security First Bank663 W Nees AvenueFresno, CA 93711