---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-032126"
form_type: "8-K"
ticker: "SFDL"
cik: "0000818677"
company_name: "SECURITY FEDERAL CORP"
filed_at: "2025-10-29T23:59:59+00:00"
generated_at: "2026-05-17T01:47:40.553882+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Security Federal Q3 net income up 61% to $3.2M ($1.01 EPS) YoY

## Summary
- Net income available to common shareholders $3.2M vs $2.0M YoY; EPS $1.01 vs $0.62.
- Net interest income rose 16% to $12.1M; provision for credit losses reversed $200K.
- Non-performing assets fell to $5.7M from $7.6M at Dec 31, 2024; credit quality improved.
- Deposits increased 8.6% YoY to $1.37B; borrowings down 58% after repaying Fed borrowings.
- Common equity book value per share rose to $35.80 from $31.97 a year ago.

## SEC filing metadata
- accession: 0001437749-25-032126
- form_type: 8-K
- ticker: SFDL
- cik: 0000818677
- company_name: SECURITY FEDERAL CORP
- filed_at: 2025-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/818677/000143774925032126/0001437749-25-032126-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/818677/000143774925032126/sfdl20251028_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-032126
- JSON: https://secwatch.observer/filing/0001437749-25-032126.json
- Plain text: https://secwatch.observer/filing/0001437749-25-032126.txt

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