---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-023892"
form_type: "8-K"
ticker: "SFDL"
cik: "0000818677"
company_name: "SECURITY FEDERAL CORP"
filed_at: "2025-07-30T23:59:59+00:00"
generated_at: "2026-05-17T23:21:42.018767+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Security Federal Q2 net income up 12% YoY to $0.75/sh; no credit provision

## Summary
- Net income available to common shareholders of $2.4M ($0.75/sh) for Q2 2025, vs $2.1M ($0.66/sh) in Q2 2024.
- Net interest income rose 11.1% to $11.3M; non-interest income up 5.7% to $2.6M.
- No provision for credit losses recorded in Q2 2025 vs $175k in Q2 2024; non-performing assets fell to 0.37% of assets.
- Deposits increased 4.5% to $1.38B; borrowings reduced 57.4% to $39.6M from year-end 2024.
- Common equity book value per share rose to $34.02 from $31.21 at Dec 2024.

## SEC filing metadata
- accession: 0001437749-25-023892
- form_type: 8-K
- ticker: SFDL
- cik: 0000818677
- company_name: SECURITY FEDERAL CORP
- filed_at: 2025-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/818677/000143774925023892/0001437749-25-023892-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/818677/000143774925023892/sfdl20250725_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023892
- JSON: https://secwatch.observer/filing/0001437749-25-023892.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023892.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.