FIRST SECURITY BANK

BYRON, MN | Small | Est. Dec. 27, 1904, midnight | FDIC #9728 | RSSD #109154 | FDIC
Latest Report: 2025-12-31

FIRST SECURITY BANK is asn small FDIC-insured commercial bank headquartered in BYRON, MN, established in Dec. 27, 1904, midnight. As of 2025-12-31, the bank reported total assets of $154M and total deposits of $117M. Profitability stands at 1.31% ROA and 18.17% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 10.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 2.18%. FDIC Certificate #9728.

Assets

$154M

Deposits

$117M

Loans

$120M

Equity

$11M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 18.17%
Net Interest Margin (NIM) 3.64%
Yield on Assets 6.55%
Cost of Funds 3.50%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.14%
Texas Ratio 2.18%
NPA Ratio 0.18%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 10.62%
Tier 1 Capital 10.62%
Total Capital Ratio 11.80%
Leverage Ratio 7.93%
Loan-to-Deposit 102.22%

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