FIRST SECURITY BANK - WEST

BEULAH, ND | Micro | Est. Jan. 1, 1915, midnight | FDIC #10253 | RSSD #969059 | FDIC
Latest Report: 2025-12-31

FIRST SECURITY BANK - WEST is amn micro FDIC-insured commercial bank headquartered in BEULAH, ND, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $62M. Profitability stands at 1.85% ROA and 15.84% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 36.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.05%. FDIC Certificate #10253.

Assets

$70M

Deposits

$62M

Loans

$30M

Equity

$8M

Profitability

Return on Assets (ROA) 1.85%
Return on Equity (ROE) 15.84%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.02%
Cost of Funds 1.03%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.40%
Texas Ratio 0.05%
NPA Ratio 0.01%
ACL / Loans 0.55%

Capital & Liquidity

CET1 Ratio 36.42%
Tier 1 Capital 36.42%
Total Capital Ratio 37.09%
Leverage Ratio 13.53%
Loan-to-Deposit 48.58%

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