Bank Comparison
First Security Bank, the vs First Secure State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Security Bank, the | First Secure State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.78% | 12.87% |
| Equity / Assets | 9.08% | 12.33% |
Profitability
| Metric | First Security Bank, the | First Secure State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.69% |
| Return on Equity (ROE) | 7.97% | 5.34% |
| Net Interest Margin (NIM) | 5.68% | 4.16% |
| Yield on Earning Assets | 8.13% | 5.41% |
| Cost of Funds | 2.38% | 1.28% |
Asset quality
| Metric | First Security Bank, the | First Secure State Bank |
|---|---|---|
| Texas Ratio | 9.14% | 14.32% |
| Non-Performing Loan Ratio | 0.17% | 0.82% |
| Non-Performing Asset Ratio | 0.22% | 0.52% |
| Net Charge-Off Ratio | 0.03% | 0.01% |
| ACL / Loans | 1.09% | 1.11% |
Balance sheet
| Metric | First Security Bank, the | First Secure State Bank |
|---|---|---|
| Total Assets | $304,336K | $304,613K |
| Total Deposits | $267,405K | $251,337K |
| Total Loans | $264,268K | $192,926K |
| Total Equity | $27,634K | $37,573K |
| Net Income (quarter) | $493 | $500 |
Liquidity & funding
| Metric | First Security Bank, the | First Secure State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.83% | 76.76% |
| Core Deposit Ratio | 79.16% | 92.96% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank, the | First Secure State Bank |
|---|---|---|
| Headquarters City | BEAVER | WONDER LAKE |
| Headquarters State | OK | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 7 |
| Employees (FTE) | 31 | 41 |
| Established | Jan. 16, 1916, midnight | Oct. 22, 1979, 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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