Security First Bank logo

Security First Bank in Lincoln, NE

No stored Google rating available.

Community bank founded in 1898 offering personal and business checking, savings, loans, mortgages, and insurance services with a focus on customer relationships.

Data compiled from public sources

Security First Bank Review

Security First Bank is a community bank with a long history dating back to its founding in 1898. The bank emphasizes relationship-based banking and has recently acquired First Interstate Bank accounts, expanding its customer base as of April 2026. The company positions itself as a traditional community bank committed to personalized service and local involvement.

Security First Bank offers a comprehensive range of financial services including personal and business checking accounts, savings products, credit cards, home loans, and bridge loans for property transitions. They provide insurance services including umbrella insurance for liability protection. Digital banking features include eStatements, debit card controls for fraud prevention, real-time fraud alerts, and online account management.

The bank also offers scholarship opportunities to support community members pursuing education. The bank distinguishes itself through its emphasis on community banking values, highlighting attention to detail, flexible services, and customer care as core pillars. They actively participate in community giving, as evidenced by their annual Feeding Hearts Food Drive (7th annual in 2026 with $18,300 donated).

The recent First Interstate Bank acquisition demonstrates growth and expansion of their market presence, though this transition also represents significant operational change. As a traditional community bank, Security First Bank may have more limited digital innovation compared to neobanks, and specific details about account fees, interest rates, minimum balances, and loan terms are not provided on their homepage. Their strength lies in personalized service and local community connection rather than technological cutting-edge features.

Services & Features

ATM and branch locator services
Bridge loans for property transitions
Business checking and banking
Credit cards
Debit cards with card controls and fraud alerts
Fraud protection tools and resources
Home loans and mortgages
Personal checking accounts
Savings accounts
Scholarship opportunities
Umbrella insurance and liability coverage
eStatements and online account access

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Established institution with 128+ years of banking history and stability since 1898
  • Comprehensive service offerings including checking, savings, loans, mortgages, insurance, and credit cards all under one institution
  • Fraud prevention tools including real-time Card Controls, debit card alerts, and fraud protection resources
  • Digital convenience features like eStatements with enrollment notifications and online account access
  • Active community involvement demonstrated through annual scholarship programs and food drives with significant charitable donations
  • listed mortgage products including bridge loans for property purchase transitions
  • Personal insurance services including umbrella liability coverage available directly through the bank

Cons

  • Website lacks specific pricing information such as account fees, minimum balance requirements, or interest rates for savings and checking products
  • Limited visibility into APRs for credit cards, personal loans, and mortgage products compared to competitors
  • Recent First Interstate Bank acquisition (April 2026) suggests ongoing integration that could impact service consistency during transition period
  • No information provided about digital banking app capabilities, mobile features, or online-only account options
  • Insufficient details about business banking services beyond brief mention in navigation menu

State Consumer Finance Context

This is state-level context for Banks consumers in Lincoln, NE. It does not confirm that Security First Bank or this specific location is licensed.

State regulator

Nebraska Department of Banking and Finance

Key state rules to check

  • Initiative 428 (2020) capped payday and similar short-term loans at 36% APR.
  • The general usury cap is 16% for most consumer loans.
  • Licensed delayed deposit services must comply with the 36% APR cap.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Security First Bank processed 392 mortgage applications in 2023, with 89.8% recorded as approved across 12 states.

392

Applications

89.8%

Approval Rate

$197K

Avg Loan

12

States Served

Approval Rate by Applicant Income

Under $50K
76.4%
$50K–$100K
87.6%
$100K–$200K
91.6%
Over $200K
94.7%

Based on 392 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Nebraska 340 apps · 82.9%
South Dakota 34 apps · 88.2%
Missouri 6 apps · 83.3%
Colorado 3 apps · 66.7%
Arizona 2 apps · 100%
Iowa 1 apps · 100%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Security First Bank offer?

Security First Bank offers 12 services including Personal checking accounts, Business checking and banking, Savings accounts, Credit cards, Home loans and mortgages, and 7 more.

What profile signals are listed for Security First Bank?

Security First Bank has profile signals associated with Community-oriented customers who value personal relationships and local banking presence over digital-first banking, Homebuyers needing bridge loans or traditional mortgage products with local service support, Small business owners seeking comprehensive banking and insurance services from a single provider, Customers prioritizing fraud protection tools and security-focused account management features.

What are the strengths and weaknesses of Security First Bank?

Key strengths: Established institution with 128+ years of banking history and stability since 1898; Comprehensive service offerings including checking, savings, loans, mortgages, insurance, and credit cards all under one institution; Fraud prevention tools including real-time Card Controls, debit card alerts, and fraud protection resources. Areas to consider: Website lacks specific pricing information such as account fees, minimum balance requirements, or interest rates for savings and checking products; Limited visibility into APRs for credit cards, personal loans, and mortgage products compared to competitors.

How does Security First Bank compare to similar companies?

In the Banks category, comparable providers include American Exchange Bank, Bank of the Valley, Banner Capital Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1924
Headquarters
Lincoln, NE
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #5415
Visit Security First Bank

CreditDoc Profile Note

Research Note on Security First Bank

Security First Bank is profile signals for customers who value established community banking relationships, comprehensive all-in-one financial services, and personalized customer support over cutting-edge digital features. Primary caveat: the website provides minimal pricing transparency on fees, rates, and terms, requiring direct contact with the bank for specific product details; additionally, the ongoing First Interstate Bank acquisition integration may affect service delivery during the transition period.

Profile Signals

  • Community-oriented customers who value personal relationships and local banking presence over digital-first banking
  • Homebuyers needing bridge loans or traditional mortgage products with local service support
  • Small business owners seeking comprehensive banking and insurance services from a single provider
  • Customers prioritizing fraud protection tools and security-focused account management features
Updated 2026-05-08

Similar Companies

American Exchange Bank logo

American Exchange Bank

American Exchange Bank is a community bank based in Nebraska serving the Elmwood and Eagle areas since 1889, offering traditional banking services including checking, savings, and online banking.

BBB: NR

Profile signals: Residents of Elmwood or Eagle, Nebraska seeking local banking relationships, Customers who prefer community banks over national institutions

Bank of the Valley logo

Bank of the Valley

Community bank serving Nebraska with personal, agricultural, and business banking across 7 locations. Offers checking, savings, loans, and digital banking services.

BBB: NR

Profile signals: Small business owners and farmers in Nebraska seeking relationship banking, Local residents in Bellwood, David City, Platte Center, Columbus, Humphrey, and Schuyler seeking community banking

Banner Capital Bank logo

Banner Capital Bank

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Local banking with personal service, Review this provider profile and compare source-linked details before choosing what to do next.

Compare Your Needs With Security First Bank

Answer 3 quick questions to review category, service, and profile context.

1. What's your primary financial goal?

Quick Summary

  • Security First Bank is listed as a Banks provider in Lincoln, NE on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

Affiliate Disclosure: CreditDoc may earn a commission when you click links to Security First Bank and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.