FIRST SECURITY BANK

UNION STAR, MO | Micro | Est. April 30, 1890, midnight | FDIC #1622 | RSSD #322551 | FDIC
Latest Report: 2025-12-31

FIRST SECURITY BANK is amn micro FDIC-insured commercial bank headquartered in UNION STAR, MO, established in April 30, 1890, midnight. As of 2025-12-31, the bank reported total assets of $59M and total deposits of $54M. Profitability stands at 0.96% ROA and 12.02% ROE, with a net interest margin of 4.86%. The bank's CET1 capital ratio is 13.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.93% and a Texas Ratio of 7.37%. FDIC Certificate #1622.

Assets

$59M

Deposits

$54M

Loans

$42M

Equity

$5M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 12.02%
Net Interest Margin (NIM) 4.86%
Yield on Assets 6.36%
Cost of Funds 1.84%

Asset Quality

NPL Ratio 0.93%
Net Charge-Off Ratio 0.10%
Texas Ratio 7.37%
NPA Ratio 0.67%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 13.78%
Tier 1 Capital 13.78%
Total Capital Ratio 15.03%
Leverage Ratio 7.92%
Loan-to-Deposit 78.38%

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