Bank Comparison
First Security Bank and Trust Company vs Bank of Belleville
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Security Bank and Trust Company | Bank of Belleville |
|---|---|---|
| CET1 Ratio | 14.43% | 11.15% |
| Tier 1 Capital Ratio | 14.43% | 11.15% |
| Total Capital Ratio | 15.54% | 12.12% |
| Tier 1 Leverage Ratio | 9.93% | 8.13% |
| Equity / Assets | 9.99% | 7.15% |
Profitability
| Metric | First Security Bank and Trust Company | Bank of Belleville |
|---|---|---|
| Return on Assets (ROA) | 0.47% | 0.86% |
| Return on Equity (ROE) | 4.71% | 12.18% |
| Net Interest Margin (NIM) | 3.46% | 3.19% |
| Yield on Earning Assets | 4.65% | 5.44% |
| Cost of Funds | 1.24% | 2.31% |
Asset quality
| Metric | First Security Bank and Trust Company | Bank of Belleville |
|---|---|---|
| Texas Ratio | 5.45% | 15.54% |
| Non-Performing Loan Ratio | 0.78% | 1.77% |
| Non-Performing Asset Ratio | 0.50% | 1.21% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.17% | 0.96% |
Balance sheet
| Metric | First Security Bank and Trust Company | Bank of Belleville |
|---|---|---|
| Total Assets | $549,785K | $549,049K |
| Total Deposits | $477,809K | $444,693K |
| Total Loans | $353,269K | $376,180K |
| Total Equity | $54,939K | $39,230K |
| Net Income (quarter) | $650 | $1,178K |
Liquidity & funding
| Metric | First Security Bank and Trust Company | Bank of Belleville |
|---|---|---|
| Loan-to-Deposit Ratio | 73.94% | 84.59% |
| Core Deposit Ratio | 99.54% | 93.42% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank and Trust Company | Bank of Belleville |
|---|---|---|
| Headquarters City | CHARLES CITY | BELLEVILLE |
| Headquarters State | IA | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 4 |
| Employees (FTE) | 106 | 65 |
| Established | July 14, 1903, midnight | Nov. 4, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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