{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-21-000320","form_type":"8-K","ticker":"SFDL","cik":"0000818677","company_name":"SECURITY FEDERAL CORP","filed_at":"2021-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.693311+00:00","generated_at":"2026-06-28T15:59:09.181228+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Security Federal Q3 net income surges 413% to $4.6M; EPS $1.43 vs $0.28","bullets":["Net income $4.6M ($1.43 EPS) vs $905K ($0.28) YoY; driven by lower interest expense and provision release.","Non-interest income up 51.6% to $4.5M, including $1.8M CDFI Rapid Response grant.","Negative provision for loan losses of $665K in Q3 vs expense of $2.2M in prior year quarter.","Non-performing assets improved to $3.1M (0.60% of loans) from $4.0M a year ago.","Book value per share $35.87, up from $33.52; total deposits rose 10.7% to $1.02B."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-21-000320","json":"https://secwatch.observer/filing/0000939057-21-000320.json","markdown":"https://secwatch.observer/filing/0000939057-21-000320.md","text":"https://secwatch.observer/filing/0000939057-21-000320.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/818677/000093905721000320/0000939057-21-000320-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/818677/000093905721000320/8k93021sfdl.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T15:59:09.181228+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}