Thank you for asking a question that should be on most customers’ minds! Overall, Security First Bank is doing well, with solid earnings, a sound management team and a qualified board of directors.

As an employee and a major stockholder, I’m constantly assessing our performance and risk as it relates to our markets and the states in which we operate (Nebraska and South Dakota). Personally, I give little credence to peer group comparisons or bank regulator valuations, which are frequently used by the media and others to “rate” banks. Although they do provide some insight, they are not very timely or reliable in assessing risk. I prefer looking at our own numbers every day, talking to our lenders and managers, and paying attention to what is going on economically in our market areas.

Having said that, I am confident that we are operating a quality, safe and stable community bank that will be around for a long time. I appreciate your being a customer and taking the time to write to me.