Security Federal (SFDL) Q2 EPS Jumps 14%
Security Federal (OTC:SFDL), a regional bank focused on retail and commercial banking across South Carolina and Georgia, released its earnings for the quarter ended June 30, 2025, on July 30, 2025. The release highlights double-digit year-over-year growth in net interest income and earnings per share (GAAP), although loan balances slightly contracted. No analyst estimates are available for comparison. The quarter showed healthy trends in profitability and capital metrics, but non-interest expense and a surge in preferred stock dividends partially offset those gains. Overall, the company posted a strong period.
Security Federal operates as a community-oriented bank, with a focus on serving local businesses and individuals through a network of 19 full-service branches across South Carolina and Georgia. Its business centers on gathering deposits and offering a broad suite of loans, including commercial real estate, residential real estate, construction, and consumer lending products.
Security Federal's income is derived primarily from interest and fees earned through its lending activities. Security Federal is also designated as a Certified Community Development Financial Institution (CDFI), which brings a regulatory focus on lending to low- and moderate-income areas. This adds a layer of responsibility for market impact, as well as access to specialized grant funding. Meanwhile, its capital structure, compliance with regulatory minimums, and ability to attract deposits are ongoing factors supporting operations and business expansion.
Source Fool.com
