FIRST SECURITY BANK AND TRUST COMPANY

CHARLES CITY, IA | Medium | Est. July 14, 1903, midnight | FDIC #1852 | RSSD #894544 | FDIC
Latest Report: 2025-12-31

FIRST SECURITY BANK AND TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in CHARLES CITY, IA, established in July 14, 1903, midnight. As of 2025-12-31, the bank reported total assets of $558M and total deposits of $480M. Profitability stands at 0.77% ROA and 7.81% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 14.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.08%. FDIC Certificate #1852.

Assets

$558M

Deposits

$480M

Loans

$353M

Equity

$55M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 7.81%
Net Interest Margin (NIM) 3.57%
Yield on Assets 4.90%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.08%
NPA Ratio 0.12%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 14.33%
Tier 1 Capital 14.33%
Total Capital Ratio 15.46%
Leverage Ratio 9.71%
Loan-to-Deposit 73.56%

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