First Security Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Return on equity climbed 20.65 percentage points in Q2 2026, from 4.67% to 25.33%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First Security Bank is 56th of 221 on return on assets, 1.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First Security Bank sits 0.53 points higher, at 1.79% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.82% |
| Tier 1 risk-based capital ratio | 10.82% |
| Total risk-based capital ratio | 12.08% |
| Tier 1 leverage ratio | 7.93% |
| Equity capital to assets | 7.03% |
| Tangible equity to tangible assets | 7.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.63% |
| Non-performing assets ratio | 1.98% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 24.50% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 52.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 25.33% |
| Net interest margin | 3.79% |
| Efficiency ratio | 50.79% |
| Yield on earning assets | 6.37% |
| Cost of funds | 2.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.00% |
| Core deposits to total deposits | 69.39% |
| Brokered deposits to total deposits | 23.88% |
| Deposits to assets | 75.19% |
| Securities to assets | 16.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.76% | 9.76% | 10.81% | 7.56% | 1.54% |
| Q4 2023 | 10.31% | 10.31% | 11.38% | 8.07% | 0.99% |
| Q1 2024 | 10.24% | 10.24% | 11.28% | 7.80% | 0.72% |
| Q2 2024 | 10.17% | 10.17% | 11.37% | 7.66% | 0.69% |
| Q3 2024 | 9.89% | 9.89% | 11.01% | 7.54% | 1.37% |
| Q4 2024 | 10.14% | 10.14% | 11.26% | 7.63% | 1.03% |
| Q1 2025 | 10.38% | 10.38% | 11.51% | 7.75% | 1.18% |
| Q2 2025 | 10.04% | 10.04% | 11.16% | 7.77% | 1.27% |
| Q3 2025 | 10.69% | 10.69% | 11.87% | 7.89% | 1.30% |
| Q4 2025 | 10.62% | 10.62% | 11.80% | 7.93% | 1.32% |
| Q1 2026 | 10.55% | 10.55% | 11.80% | 7.69% | 0.33% |
| Q2 2026 | 10.82% | 10.82% | 12.08% | 7.93% | 1.79% |
First Security Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9728) · FFIEC NIC profile (RSSD 109154)