Security Federal Q4 EPS $1.24 vs $0.94; full-year $3.80 vs $2.77

SECURITY FEDERAL CORP

Q4 2025 net income available to common $3.9M ($1.24/share) vs $3.0M ($0.94) in Q4 2024.
Full-year 2025 net income available to common $12.0M ($3.80/share) vs $8.9M ($2.77) in 2024.
Net interest income rose 11.5% to $12.6M in Q4, driven by lower interest expense.
Recorded $235K reversal of provision for credit losses in 2025 vs. $1.4M provision in 2024; NPAs fell to $5.8M.
Common equity book value per share increased to $37.74 from $31.21 a year ago.

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