Security Bank Corporation operates as a full-service universal bank rather than a thrift bank, holding an official universal banking license issued by financial regulatory authorities. This specialized license allows it to offer an extensive and comprehensive suite of financial services that go far beyond standard thrift operations, including corporate banking, investment banking, capital market underwriting, stock brokerage, and asset management through its various specialized subsidiaries. While it provides traditional retail savings and consumer loans, its overall institutional classification and powers remain firmly anchored at the highest tier of commercial universal banking.